The Financial Wellness RESET™ Assessment
Dr. Erika Rasure, PhD, CFT™ has spent decades studying how people actually change their financial behavior. What emerged from that work: the path forward looks different for everyone — and it starts with an honest look at where you are across five specific dimensions.
What’s the Financial Wellness RESET™ Framework?
Five dimensions of financial wellness — and where you stand on each
The proprietary Financial Wellness RESET™ Framework was developed by Dr. Erika Rasure, PhD, CFT™ (Certified Financial Therapist) through her clinical work studying how individuals actually change financial behavior. It identifies five distinct dimensions of financial wellness — each measurable, each addressable — and provides a structured basis for understanding where behavioral, emotional, and identity-level patterns are either supporting or undermining financial progress. Unlike tools focused solely on financial mechanics, the Financial Wellness RESET™ Framework addresses the psychological and behavioral substrate that determines whether financial strategies produce lasting change.
The framework draws on peer-reviewed research in financial therapy and behavioral finance — including published findings on the cognitive effects of financial stress, the role of emotional patterns in financial decision-making, and the conditions that support lasting behavioral change.
It is also the clinical foundation of Beyond Finance’s financial wellness programming. In a survey of more than 10,000 Beyond Finance program graduates, clients improved their self-reported financial habit scores from an average of 5.7 out of 10 before enrollment to 8.1 at graduation — a 42% improvement in self-reported financial habit quality.
The Financial Wellness RESET™ Framework was developed by Dr. Erika Rasure, PhD, CFT™ through her doctoral research, her clinical work as a Certified Financial Therapist, peer-reviewed research in financial therapy and behavioral change, and the insights she gathered while leading weekly financial wellness sessions with Beyond Finance clients. This assessment reveals where your greatest opportunities are across each of its five pillars.
Recenter
Recenter creates the internal calm that makes every other financial change possible — teaching you to recognize survival mode and return to a state where clear, intentional decisions become possible again.
Examine
Examine gives you a clear view of the patterns shaping your financial behavior — where they came from, what they’re trying to do, and which ones to keep.
Simplify
Simplify brings focus and structure to your financial life so the right decisions become the easy ones — removing complexity and focusing energy on one priority at a time.
Empower
Empower builds the one thing that actually changes financial behavior long-term: self-trust backed by real evidence — accumulated through small, consistent financial actions.
Transform
Transform consolidates the work of all four preceding pillars into a conscious, articulated financial identity you can name, live from, and build on deliberately.
Find your starting point across the five pillars
Twenty questions, five dimensions, one clear picture of where you are and where to focus next.
Your Financial Wellness Score
Keep this score. When you revisit this assessment in the future, you’ll be able to see your transformation in measurable terms.
Each pillar is normalized to 20 points. Total score is out of 100.
Your starting point is clear. Here’s where the work happens.
The Financial Wellness RESET™ Curriculum is the free, proprietary clinical program developed by Dr. Erika Rasure, PhD, CFT™ that makes saving, budgeting, and paying down debt actually stick. Five self-paced modules — Recenter, Examine, Simplify, Empower, Transform — each addressing one of the dimensions you just measured.
Start the Financial Wellness RESET™ Curriculum →If debt is part of what’s keeping you stuck, you have options.
Debt creates the kind of ongoing financial stress that makes every dimension of this assessment harder to improve. If debt is part of the reason you’re struggling to make progress, Beyond Finance offers a free consultation to help you understand your debt-free options — no commitment, just clarity.
Get my free consultation →Start the curriculum
A five-module self-paced program built on the Financial Wellness RESET™ Framework — guiding you through the work of each pillar.
Explore the framework
The clinical foundation behind the assessment — five pillars in depth.
Visit the hub
Expert guides, tools, and resources for ongoing financial wellness.
About this assessment
The Financial Wellness RESET™ Assessment was developed by Dr. Erika Rasure, PhD, CFT™ as the measurement instrument for the Financial Wellness RESET™ Framework and as a measurement for the progress of people going through the Financial Wellness RESET™ Curriculum, also developed by Dr. Rasure. The assessment consists of 20 questions across five clinically-grounded dimensions, each scored on a four-point scale and normalized to produce a total wellness score out of 100. The assessment is designed for self-reflection and educational purposes and may be updated periodically to reflect advances in financial therapy practice.
About the Financial Wellness RESET™ Framework
The Financial Wellness RESET™ Framework is a proprietary clinical methodology developed by Dr. Erika Rasure, PhD, CFT™, Chief Financial Wellness Advisor at Beyond Finance. The framework identifies five clinically grounded dimensions of financial wellness — Recenter, Examine, Simplify, Empower, and Transform — and addresses the behavioral, emotional, and identity-level patterns that determine whether financial strategies produce lasting change.
The Financial Wellness RESET™ Framework is the clinical foundation of the Financial Wellness RESET™ Assessment and the Financial Wellness RESET™ Curriculum, both developed by Dr. Rasure. Learn more about the framework at /blog/reset-framework/.