Financial Exposure Check
Six questions. No data collected. See where you stand on the same scale that tracks national household financial distress.
1 of 6
Buffer Depletion
How much do you have saved for emergencies?
2 of 6
Buffer Depletion
Have you withdrawn from retirement savings to pay bills in the past year?
3 of 6
Debt Stress
How many bills or loan payments are you currently behind on?
4 of 6
Financial Conditions
If you needed $2,000 for an emergency, how easy would it be to get?
5 of 6
Cost Pressure
Over the past year, have your essential costs (food, housing, healthcare) grown faster than your income?
6 of 6
Labor Market
How secure is your current income?
How This Works
The American Distress Index tracks national household financial distress across five dimensions: Debt Stress (missed payments, 41.6%), Buffer Depletion (savings erosion, 21.6%), Financial Conditions (credit access, 21.6%), Labor Market (income stability, 8.4%), and Cost Pressure (essential expenses vs. income, 6.9%).
This quiz applies the same five-component framework to your personal situation. Each question maps to one ADI component. Your result is a personal exposure score on the same 0-100 scale.
The national ADI currently reads 64.4 (Elevated). Learn how the index is calculated.