life. scored.

Residence sets a baseline from its World Bank income tier. High-income country → high base; low-income or conflict-affected → low base.

A family financial floor raises your position. No clean public dataset maps this to an individual, so the weight is a flagged guess, not a measurement.

Children of degree-holding parents are far likelier to earn degrees themselves and start with more navigational capital. You didn't choose this.

Your passport determines visa-free access to work, study, and flee. Derived from your country of residence in this model.

The census tract you grew up in measurably shifts adult income. Self-assessed band here (low / average / high opportunity area).

Insurers price you off remaining life expectancy: younger means more runway, and women outlive men by ~5 years on average. Pure actuarial position — no virtue involved.

The single largest behavioral mortality factor insurers price. Never-smokers score full; former smokers recover most of it; current smokers score zero here.

Scored against the 150-minutes-per-week guideline; saturates there — this model gives no extra credit for marathon volume.

Heavy drinking carries large measured mortality and financial costs; moderate use a smaller penalty; none scores full.

7–9 hours scores full; 6 or 10 hours partial; outside that, the short-sleep mortality association bites.

Being uninsured is both a health risk and the most common path to catastrophic financial shock. Controllable only to the degree coverage is affordable where you live — flagged in the description.

Insurers still price by BMI band, so it appears here — scored as they score it, not as an endorsement of the measure.

Net worth against the median for your age band. Below the median: a linear drag, floored at half this weight. Above it, points grow as the square root of your wealth multiple — quadruple your money to double your points — uncapped, because the real world does not cap the advantage of money.

Debt scored as leverage against income, benchmarked to the lending world's ~43% affordability line. Zero debt scores best; the same asset bought on a loan drags here.

The single heaviest input in FICO's published model (35%). One late payment costs most of it; multiple zero it out.

Share of available revolving credit in use — 30% of FICO. Under ~10% is ideal; over 30% starts costing; near-maxed goes negative.

Months of expenses covered by liquid savings, scored against the standard 3-month test. Saturates at 3 — this measures shock absorption, not hoarding.

Annual income against the US full-time median: half marks at the median, then points grow as the square root of your income multiple, uncapped — see the net-worth rule for why.

Owning is the dominant US wealth-building vehicle — and gatekept by everything above. Renters get partial credit; this measures system position, not virtue.

No bank account means check-cashing fees, money orders, and no credit-building rail — a measured tax on being poor. Underbanked (account, but relying on payday/check-cashing services) pays part of it.

The labor market prices each rung: no diploma is actively penalized (unemployment runs roughly twice the bachelor's-holder rate), each step up narrows the gap, and the graduate premium over a bachelor's is field-dependent — so this rule caps at the bachelor's rung. 'Controllable' only if the time and tuition were affordable to you.

Employed or self-employed scores full; students and retirees partial (different life phase, not failure); unemployed zero — which is how every lender reads it.

Whether your field is projected to grow or shrink — BLS publishes ten-year projections for every occupation. Self-assessed band here.

Regular contact with people you are close to. The mortality effect of isolation rivals smoking in meta-analysis — the most underpriced rule in this book.

Married/partnered people show better longevity and household finances in the data — partly pooling, partly selection.

Regular volunteering correlates with health and well-being outcomes — and is the closest thing to a real-world "social karma" ledger.

At-fault accidents and moving violations in the last 3 years, scored the way an auto insurer rates you. Clean record full; each incident bites.

Employers and landlords screen public profiles, but no public dataset quantifies the effect on outcomes — so the weight is a flagged guess.

Where you sleep is the gateway condition for everything else scored here. Stable housing scores full; doubled-up or eviction-threatened partial; unhoused subtracts — because the systems above (credit, employment, health) all actively punish it.

A record roughly halves employer callbacks in audit studies. Scored as the labor market scores it — which is exactly the kind of opaque penalty this app exists to expose.

Registered voters appear in civic data used by campaigns, jury pools, and some tenant screens; the personal-outcome effect is unquantified — flagged guess.