{"id":5824,"date":"2026-06-05T20:10:58","date_gmt":"2026-06-05T20:10:58","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?page_id=5824"},"modified":"2026-07-05T20:39:54","modified_gmt":"2026-07-05T20:39:54","slug":"reset-assessment","status":"publish","type":"page","link":"https:\/\/www.beyondfinance.com\/blog\/reset-assessment\/","title":{"rendered":"The Financial Wellness RESET\u2122 Assessment"},"content":{"rendered":"\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Quiz\",\n  \"@id\": \"https:\/\/www.beyondfinance.com\/blog\/reset-assessment\/#quiz\",\n  \"name\": \"The Financial Wellness RESET\u2122 Assessment\",\n  \"description\": \"A 20-question financial wellness diagnostic developed by Dr. Erika Rasure, PhD, CFT\u2122. Measures four statements across each of the five pillars of the Financial Wellness RESET\u2122 Framework (Recenter, Examine, Simplify, Empower, Transform) on a 4-point agreement scale, producing a per-pillar score out of 20 and an overall wellness score out of 100 with personalized interpretive feedback.\",\n  \"url\": \"https:\/\/www.beyondfinance.com\/blog\/reset-assessment\/\",\n  \"datePublished\": \"2026-06-05\",\n  \"dateModified\": \"2026-06-05\",\n  \"inLanguage\": \"en-US\",\n  \"isAccessibleForFree\": true,\n  \"educationalLevel\": \"Beginner to Advanced\",\n  \"learningResourceType\": \"Assessment\",\n  \"assesses\": [\n    \"Recenter \u2014 financial nervous system regulation\",\n    \"Examine \u2014 money story and inherited beliefs\",\n    \"Simplify \u2014 financial structure and decision clarity\",\n    \"Empower \u2014 financial self-trust and confidence\",\n    \"Transform \u2014 financial identity and embodiment\"\n  ],\n  \"about\": [\n    {\n      \"@type\": \"Thing\",\n      \"name\": \"Financial wellness\"\n    },\n    {\n      \"@type\": \"Thing\",\n      \"name\": \"Financial nervous system\"\n    },\n    {\n      \"@type\": \"Thing\",\n      \"name\": \"Financial identity\"\n    },\n    {\n      \"@type\": \"Thing\",\n      \"name\": \"The Financial Wellness RESET\u2122 Framework\"\n    }\n  ],\n  \"author\": {\n    \"@id\": \"https:\/\/www.beyondfinance.com\/blog\/author\/erasure\/#person\"\n  },\n  \"creator\": {\n    \"@id\": \"https:\/\/www.beyondfinance.com\/blog\/author\/erasure\/#person\"\n  },\n  \"publisher\": {\n    \"@id\": \"https:\/\/www.beyondfinance.com\/#organization\"\n  },\n  \"educationalAlignment\": {\n    \"@type\": \"AlignmentObject\",\n    \"alignmentType\": \"assesses\",\n    \"targetName\": \"The Financial Wellness RESET\u2122 Framework\",\n    \"targetUrl\": \"https:\/\/www.beyondfinance.com\/blog\/reset-framework\/\"\n  }\n}\n<\/script>\n\n<div class=\"rc-page\" data-rc-key=\"assessment\" data-rc-assessment=\"reset\">\n\n  <section class=\"rc-asmt-screen rc-active\" id=\"rc-asmt-screen-intro\" aria-labelledby=\"rc-asmt-h1\">\n\n    <section class=\"rc-hub-hero\">\n      <div class=\"rc-part-eyebrow\">Developed by Dr. Erika Rasure, PhD, CFT\u2122 \u00b7 Chief Financial Wellness Advisor, Beyond Finance<\/div>\n      <h1 class=\"rc-hub-hero-title\" id=\"rc-asmt-h1\">The Financial Wellness <em>RESET\u2122 Assessment<\/em><\/h1>\n      <p class=\"rc-hub-hero-sub\">Dr. Erika Rasure, PhD, CFT\u2122 has spent decades studying how people actually change their financial behavior. What emerged from that work: the path forward looks different for everyone \u2014 and it starts with an honest look at where you are across five specific dimensions.<\/p>\n      <div class=\"rc-hub-cta-row\">\n        <button class=\"rc-hub-cta-primary\" type=\"button\" onclick=\"rcAsmt.start()\">Start the assessment \u2192<\/button>\n      <\/div>\n      <div class=\"rc-hub-hero-meta\">20 questions \u00b7 About 3 minutes \u00b7 No right or wrong answers<\/div>\n    <\/section>\n\n    <section class=\"rc-prose\">\n      <div class=\"rc-part-eyebrow\">About the framework<\/div>\n      <h2>What&#8217;s the Financial Wellness <em>RESET\u2122 Framework<\/em>?<\/h2>\n      <p class=\"rc-lead\">Five dimensions of financial wellness \u2014 and where you stand on each<\/p>\n      <p>The proprietary Financial Wellness RESET\u2122 Framework was developed by Dr. Erika Rasure, PhD, CFT\u2122 through her doctoral research, her clinical work as a Certified Financial Therapist, her ongoing review of peer-reviewed research in financial therapy and behavioral change, and her work with Beyond Finance clients and her observations of their successful financial wellness transformations. These transformations are evidenced by a graduate survey in which more than 10,000 program graduates rated their financial habits at an average of 5.7 out of 10 before enrollment and 8.1 at graduation: a 42% improvement.<\/p>\n      <p>The Financial Wellness RESET\u2122 Framework identifies five distinct dimensions of financial wellness \u2014 each measurable, each addressable \u2014 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\u2122 Framework addresses the psychological and behavioral substrate that determines whether financial strategies produce lasting change.<\/p>\n      <p>The framework draws on peer-reviewed research in financial therapy and behavioral finance \u2014 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.<\/p>\n      <p>It is also the foundation of Beyond Finance&#8217;s financial wellness programming.<\/p>\n      <p>This assessment \u2014 also developed by Dr. Rasure \u2014 measures where you stand across each of the framework&#8217;s five pillars, revealing your greatest opportunities for growth.<\/p>\n    <\/section>\n\n    <section class=\"rc-prose rc-prose--center\">\n      <div class=\"rc-part-eyebrow\">The Five Pillars<\/div>\n    <\/section>\n\n    <section class=\"rc-module-grid-section\">\n      <div class=\"rc-module-grid\">\n\n        <article class=\"rc-module-card\" data-pillar=\"1\">\n          <div class=\"rc-module-num\">Pillar 01<\/div>\n          <div class=\"rc-module-letter rc-module-letter--r\">R<\/div>\n          <h3 class=\"rc-module-title\">Recenter<\/h3>\n          <div class=\"rc-module-subtitle\">Create the conditions for change<\/div>\n          <p class=\"rc-module-body\">Recenter creates the internal calm that makes every other financial change possible \u2014 teaching you to recognize survival mode and return to a state where clear, intentional decisions become possible again.<\/p>\n        <\/article>\n\n        <article class=\"rc-module-card\" data-pillar=\"2\">\n          <div class=\"rc-module-num\">Pillar 02<\/div>\n          <div class=\"rc-module-letter rc-module-letter--e1\">E<\/div>\n          <h3 class=\"rc-module-title\">Examine<\/h3>\n          <div class=\"rc-module-subtitle\">Understand why you do what you do<\/div>\n          <p class=\"rc-module-body\">Examine gives you a clear view of the patterns shaping your financial behavior \u2014 where they came from, what they&#8217;re trying to do, and which ones to keep.<\/p>\n        <\/article>\n\n        <article class=\"rc-module-card\" data-pillar=\"3\">\n          <div class=\"rc-module-num\">Pillar 03<\/div>\n          <div class=\"rc-module-letter rc-module-letter--s\">S<\/div>\n          <h3 class=\"rc-module-title\">Simplify<\/h3>\n          <div class=\"rc-module-subtitle\">Make the right thing the easy thing<\/div>\n          <p class=\"rc-module-body\">Simplify brings focus and structure to your financial life so the right decisions become the easy ones \u2014 removing complexity and focusing energy on one priority at a time.<\/p>\n        <\/article>\n\n        <article class=\"rc-module-card\" data-pillar=\"4\">\n          <div class=\"rc-module-num\">Pillar 04<\/div>\n          <div class=\"rc-module-letter rc-module-letter--e2\">E<\/div>\n          <h3 class=\"rc-module-title\">Empower<\/h3>\n          <div class=\"rc-module-subtitle\">Build proof that you can trust yourself<\/div>\n          <p class=\"rc-module-body\">Empower builds the one thing that actually changes financial behavior long-term: self-trust backed by real evidence \u2014 accumulated through small, consistent financial actions.<\/p>\n        <\/article>\n\n        <article class=\"rc-module-card\" data-pillar=\"5\">\n          <div class=\"rc-module-num\">Pillar 05<\/div>\n          <div class=\"rc-module-letter rc-module-letter--t\">T<\/div>\n          <h3 class=\"rc-module-title\">Transform<\/h3>\n          <div class=\"rc-module-subtitle\">Grow into your financial self<\/div>\n          <p class=\"rc-module-body\">Transform consolidates the work of all four preceding pillars into a conscious, articulated financial identity you can name, live from, and build on deliberately.<\/p>\n        <\/article>\n\n      <\/div>\n    <\/section>\n\n    <section class=\"rc-prose rc-prose--center\">\n      <div class=\"rc-part-eyebrow\">Successful Transformations Among Beyond Finance Graduates<\/div>\n      <p>Dr. Rasure observed many Beyond Finance clients undergoing successful financial wellness transformations \u2014 observations that, in part, informed her development of the Financial Wellness RESET\u2122 Framework. A graduate survey of more than 10,000 program completers reflects those transformations.<\/p>\n    <\/section>\n\n    <section class=\"rc-stat-band\">\n      <div class=\"rc-stat-band-inner\">\n        <div class=\"rc-stat-item\">\n          <div class=\"rc-stat-number\">5.7 <span class=\"rc-stat-arrow\">\u2192<\/span> 8.1 <span class=\"rc-denom\">\/ 10<\/span><\/div>\n          <div class=\"rc-stat-label\">Financial habit score before and after the Beyond Finance program<\/div>\n        <\/div>\n        <div class=\"rc-stat-divider\"><\/div>\n        <div class=\"rc-stat-item\">\n          <div class=\"rc-stat-number\">42<span class=\"rc-stat-plus\">%<\/span><\/div>\n          <div class=\"rc-stat-label\">Improvement in budgeting, spending, and saving behaviors by graduation<\/div>\n        <\/div>\n        <div class=\"rc-stat-divider\"><\/div>\n        <div class=\"rc-stat-item\">\n          <div class=\"rc-stat-number\">10,000<span class=\"rc-stat-plus\">+<\/span><\/div>\n          <div class=\"rc-stat-label\">Graduates surveyed<\/div>\n        <\/div>\n      <\/div>\n    <\/section>\n\n    <div class=\"rc-asmt-cta-block\">\n      <h2 class=\"rc-asmt-cta-title\">Find your starting point across the five pillars<\/h2>\n      <p>Twenty questions, five dimensions, one clear picture of where you are and where to focus next.<\/p>\n      <button class=\"rc-hub-cta-primary\" type=\"button\" onclick=\"rcAsmt.start()\">Start the assessment \u2192<\/button>\n    <\/div>\n\n  <\/section>\n\n  <section class=\"rc-asmt-screen\" id=\"rc-asmt-screen-questions\">\n\n    <div class=\"rc-asmt-q-wrap\">\n\n      <div class=\"rc-asmt-progress\" role=\"region\" aria-label=\"Progress\">\n        <div class=\"rc-asmt-progress-track\">\n          <div class=\"rc-asmt-progress-fill\" id=\"rc-asmt-progress-fill\"><\/div>\n        <\/div>\n        <div class=\"rc-asmt-progress-label\" id=\"rc-asmt-progress-label\">Questions 1\u20134 of 20<\/div>\n      <\/div>\n\n      <section class=\"rc-prose\" id=\"rc-asmt-preamble\">\n        <p class=\"rc-lead\">Answer based on what&#8217;s true right now \u2014 not what you want to be true. If you find yourself editing toward a better-sounding answer, pause and take a breath. Then answer honestly. That&#8217;s the only version this assessment can actually help.<\/p>\n      <\/section>\n\n      <div id=\"rc-asmt-questions-container\"><\/div>\n\n      <div class=\"rc-asmt-q-footer\">\n        <button class=\"rc-asmt-q-back\" type=\"button\" id=\"rc-asmt-back-btn\" onclick=\"rcAsmt.back()\">\u2190 Back<\/button>\n        <button class=\"rc-hub-cta-primary\" type=\"button\" id=\"rc-asmt-next-btn\" onclick=\"rcAsmt.next()\" disabled=\"\">Next \u2192<\/button>\n      <\/div>\n\n    <\/div>\n  <\/section>\n\n  <section class=\"rc-asmt-screen\" id=\"rc-asmt-screen-results\" aria-labelledby=\"rc-asmt-results-h\">\n\n    <div class=\"rc-asmt-results-wrap\">\n\n      <header class=\"rc-asmt-results-header\">\n        <h2 class=\"rc-asmt-results-title\" id=\"rc-asmt-results-h\">Your Financial Wellness Score<\/h2>\n        <p class=\"rc-asmt-results-sub\">Keep this score. When you revisit this assessment in the future, you&#8217;ll be able to see your transformation in measurable terms.<\/p>\n        <p class=\"rc-asmt-results-sub\">Each pillar is normalized to 20 points. Total score is out of 100.<\/p>\n      <\/header>\n\n      <div class=\"rc-total-card\">\n        <div class=\"rc-total-label\">Total score<\/div>\n        <div class=\"rc-total-number\" id=\"rc-asmt-total-score\">0<\/div>\n        <div class=\"rc-total-of\">out of 100<\/div>\n        <div class=\"rc-total-band-name\" id=\"rc-asmt-band-tagline\"><\/div>\n        <div class=\"rc-total-band-desc\" id=\"rc-asmt-band-interp\"><\/div>\n      <\/div>\n\n      <div class=\"rc-profile-card\">\n        <div class=\"rc-asmt-chart-label\">Your scores across the five pillars<\/div>\n        <div id=\"rc-asmt-bars\"><\/div>\n      <\/div>\n\n      <p class=\"rc-asmt-results-sub\">\ud83d\udcda If you&#8217;re coming from the curriculum, simply close this tab to return to where you were.<\/p>\n\n      <div class=\"rc-asmt-cta-block\" id=\"rc-asmt-curriculum-cta\">\n        <h3 class=\"rc-asmt-cta-title\">Your starting point is clear. Here&#8217;s where the work happens.<\/h3>\n        <p>The Financial Wellness RESET\u2122 Curriculum is the free, proprietary clinically-informed program developed by Dr. Erika Rasure, PhD, CFT\u2122 that makes saving, budgeting, and paying down debt actually stick. Five self-paced modules \u2014 Recenter, Examine, Simplify, Empower, Transform \u2014 each addressing one of the dimensions you just measured.<\/p>\n        <a class=\"rc-hub-cta-primary\" href=\"\/blog\/reset-curriculum\/\">Start the Financial Wellness RESET\u2122 Curriculum \u2192<\/a>\n      <\/div>\n\n      <div class=\"rc-asmt-work-eyebrow\">Additional resources for your lower-scoring pillars<\/div>\n      <div class=\"rc-asmt-work-grid\" id=\"rc-asmt-work-cards\"><\/div>\n\n      <div class=\"rc-asmt-cta-block\" id=\"rc-asmt-debt-cta\">\n        <h3 class=\"rc-asmt-cta-title\">If debt is part of what&#8217;s keeping you stuck, you have options.<\/h3>\n        <p>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&#8217;re struggling to make progress, Beyond Finance offers a free consultation to help you understand your debt-free options \u2014 no commitment, just clarity.<\/p>\n        <a class=\"rc-hub-cta-primary\" href=\"https:\/\/www.beyondfinance.com\/free_evaluation\">Get my free consultation \u2192<\/a>\n      <\/div>\n\n      <div class=\"rc-asmt-retake\">\n        <button class=\"rc-hub-cta-ghost\" type=\"button\" onclick=\"rcAsmt.retake()\">\u21bb Retake assessment<\/button>\n      <\/div>\n\n    <\/div>\n  <\/section>\n\n  <section class=\"rc-prose rc-prose--center\">\n    <div class=\"rc-part-eyebrow\">Continue with the Financial Wellness RESET\u2122 Framework<\/div>\n  <\/section>\n\n  <section class=\"rc-hub-continue\">\n    <div class=\"rc-hub-continue-grid\">\n\n      <a class=\"rc-hub-continue-card\" href=\"\/blog\/reset-curriculum\/\">\n        <h3 class=\"rc-hub-continue-title\">Start the curriculum<\/h3>\n        <p class=\"rc-hub-continue-body\">A five-module self-paced program built on the Financial Wellness RESET\u2122 Framework \u2014 guiding you through the work of each pillar.<\/p>\n      <\/a>\n\n      <a class=\"rc-hub-continue-card\" href=\"\/blog\/reset-framework\/\">\n        <h3 class=\"rc-hub-continue-title\">Explore the framework<\/h3>\n        <p class=\"rc-hub-continue-body\">The clinical foundation behind the assessment \u2014 five pillars in depth.<\/p>\n      <\/a>\n\n      <a class=\"rc-hub-continue-card\" href=\"\/blog\/\">\n        <h3 class=\"rc-hub-continue-title\">Visit the hub<\/h3>\n        <p class=\"rc-hub-continue-body\">Expert guides, tools, and resources for ongoing financial wellness.<\/p>\n      <\/a>\n\n    <\/div>\n  <\/section>\n\n  <section class=\"rc-prose rc-asmt-about-section\">\n    <h2>About this assessment<\/h2>\n    <p>The Financial Wellness RESET\u2122 Assessment was developed by Dr. Erika Rasure, PhD, CFT\u2122 as the measurement instrument for the Financial Wellness RESET\u2122 Framework and as a measurement for the progress of people going through the <a href=\"\/blog\/reset-curriculum\/\">Financial Wellness RESET\u2122 Curriculum<\/a>, also developed by Dr. Rasure. The assessment consists of 20 questions across five clinically-informed 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.<\/p>\n\n    <h2>About the Financial Wellness <em>RESET\u2122 Framework<\/em><\/h2>\n    <p>The Financial Wellness RESET\u2122 Framework is a proprietary clinically-informed methodology developed by Dr. Erika Rasure, PhD, CFT\u2122, Chief Financial Wellness Advisor at Beyond Finance. The framework identifies five clinically-informed dimensions of financial wellness \u2014 Recenter, Examine, Simplify, Empower, and Transform \u2014 and addresses the behavioral, emotional, and identity-level patterns that determine whether financial strategies produce lasting change.<\/p>\n    <p>The Financial Wellness RESET\u2122 Framework is the foundation of the Financial Wellness RESET\u2122 Assessment and the <a href=\"\/blog\/reset-curriculum\/\">Financial Wellness RESET\u2122 Curriculum<\/a>, both developed by Dr. Rasure. Learn more about the framework at <a href=\"\/blog\/reset-framework\/\">\/blog\/reset-framework\/<\/a>.<\/p>\n  <\/section>\n\n  <div class=\"rc-hub-footer-meta rc-hub-footer-meta--center\">\n    \u00a9Assessment developed 2026 \u00b7 Last updated June 2026\n  <\/div>\n\n<\/div>\n\n<script>\n(function() {\n  'use strict';\n\n  const PILLARS = [\n    {\n      key: 'R', name: 'Recenter', subtitle: 'Financial nervous system',\n      questions: [\n        'When I think about my finances, my body feels relatively calm.',\n        'When I need to make a financial decision, I give myself time to think rather than acting out of panic.',\n        'I have at least one technique I use to calm myself before making a money decision.',\n        'When I make a financial mistake, I recover without spiraling.'\n      ],\n      resource: {\n        title: 'Managing financial stress responses',\n        body: \"Your nervous system may be running a threat response around money. Practices like breathwork, grounding, and body awareness before financial tasks can help you access clearer thinking.\",\n        primary: { label: 'Mindful Money Practices', url: 'https:\/\/www.beyondfinance.com\/blog\/mindful-money-practices\/' },\n        expanded: [\n          { label: 'What Is Financial Trauma? A Financial Therapist Explains', url: 'https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/' }\n        ],\n        debtBridge: 'If debt is keeping your nervous system in a constant state of financial stress, understanding your options is often the first step toward genuine relief.'\n      }\n    },\n    {\n      key: 'E', name: 'Examine', subtitle: 'Money story awareness',\n      questions: [\n        'I understand and recognize my core beliefs and values around money, and where they come from (societal, cultural, generational, family).',\n        'I can identify my personal financial triggers* and financial glimmers.**',\n        'I recognize any emotional patterns driving my financial behavior.',\n        'I can clearly see how my past experiences with money have influenced my financial patterns.'\n      ],\n      questionNotes: {\n        1: [\n          '* A financial trigger is anything that reliably makes you feel anxious, stressed, or reactive around money (e.g. opening a credit card statement).',\n          '** A financial glimmer is anything that reliably makes you feel calm, safe, or at ease with money (e.g. recognition of a moment when you added $50 to your savings account).'\n        ]\n      },\n      resource: {\n        title: 'Understanding your money story',\n        body: \"Exploring where your money beliefs come from \u2014 family history, cultural messages, past experiences \u2014 can help you separate inherited patterns from intentional choices.\",\n        primary: { label: 'Understanding Your Financial Triggers and Glimmers', url: 'https:\/\/www.beyondfinance.com\/blog\/understanding-your-financial-triggers-and-glimmers\/' },\n        expanded: [\n          { label: 'Intergenerational Money Stories', url: 'https:\/\/www.beyondfinance.com\/blog\/intergenerational-money-stories\/' }\n        ],\n        debtBridge: \"If debt is part of the story you're trying to change, understanding your options is a worthwhile first step.\"\n      }\n    },\n    {\n      key: 'S', name: 'Simplify', subtitle: 'Clarity, systems & financial health',\n      questions: [\n        'I have a clear, simple system for managing my money.',\n        'I do not feel overwhelmed by all my financial accounts, subscriptions, or apps.',\n        'I know my single most important financial priority right now.',\n        'I make decisions that support consistent progress on that priority.'\n      ],\n      resource: {\n        title: 'Building financial clarity and systems',\n        body: \"Getting a clear picture of what you owe, earn, and spend \u2014 and simplifying how you manage it \u2014 creates the foundation for all other financial progress.\",\n        primary: { label: 'Personal Finance Guide', url: 'https:\/\/www.beyondfinance.com\/blog\/interactive-personal-finance-guide\/' },\n        expanded: [\n          { label: \"What Is Financial Wellness When You're Living Paycheck to Paycheck?\", url: 'https:\/\/www.beyondfinance.com\/blog\/whats-financial-wellness-when-youre-living-paycheck-to-paycheck\/' },\n          { label: 'Stuck in Financial Survival Mode', url: 'https:\/\/www.beyondfinance.com\/blog\/stuck-in-financial-survival-mode-heres-how-to-fix-your-thinking\/' }\n        ],\n        debtBridge: \"If debt is part of what's making your finances feel impossible to untangle, there may be a clearer path forward than you think.\"\n      }\n    },\n    {\n      key: 'E', name: 'Empower', subtitle: 'Financial self-trust',\n      questions: [\n        'I trust myself to make good financial decisions.',\n        'I regularly notice and acknowledge small financial wins.',\n        'I have evidence \u2014 actual examples \u2014 that I can handle money well.',\n        'If life throws me an unexpected financial curveball, I feel equipped to handle it emotionally and financially.'\n      ],\n      resource: {\n        title: 'Rebuilding financial self-trust',\n        body: \"Trust comes from evidence, not motivation. Acknowledging small wins, recovering from mistakes without shame, and making consistent small decisions builds real financial confidence over time.\",\n        primary: { label: 'Healing Negative Thought Patterns Around Money', url: 'https:\/\/www.beyondfinance.com\/blog\/healing-negative-thought-patterns-around-money\/' },\n        expanded: [\n          { label: 'How to Stop Financial Avoidance Without Spiraling', url: 'https:\/\/www.beyondfinance.com\/blog\/how-to-stop-financial-avoidance-without-spiraling\/' }\n        ],\n        debtBridge: \"If debt is making it hard to trust yourself financially, knowing your options can be the first step toward feeling in control again.\"\n      }\n    },\n    {\n      key: 'T', name: 'Transform', subtitle: 'Financial identity & embodiment',\n      questions: [\n        \"My financial decisions reflect the person I'm trying to become.\",\n        'When I think about my financial future, I feel good.',\n        'The way I handle money today reflects my long-term values.*',\n        'I can afford to treat myself to things that give me joy.'\n      ],\n      questionNotes: {\n        2: [\n          '* Values here means what actually matters to you \u2014 not what \"should\" matter to you. Think security, family, creativity, freedom \u2014 the things that genuinely drive your decisions about life in general, whether or not anyone else would choose the same ones.'\n        ]\n      },\n      resource: {\n        title: 'Clarifying your financial identity',\n        body: \"Having a clear sense of who you're becoming with money is what makes financial change feel like growth rather than just restriction.\",\n        primary: { label: 'Money and Your Future Self', url: 'https:\/\/www.beyondfinance.com\/blog\/money-and-your-future-self\/' },\n        expanded: [\n          { label: 'Money and Relationships', url: 'https:\/\/www.beyondfinance.com\/blog\/couples-and-money\/' }\n        ],\n        debtBridge: \"If debt is standing between you and the financial life you're working toward, it's worth understanding what your options are.\"\n      }\n    }\n  ];\n\n  const PAGES = [\n    [[2,0], [2,1], [3,0], [3,1], [3,2]],\n    [[2,2], [2,3], [3,3], [4,0], [4,1]],\n    [[4,2], [4,3], [1,0], [1,1], [1,2]],\n    [[1,3], [0,0], [0,1], [0,2], [0,3]]\n  ];\n\n  const SCALE_LABELS = ['Strongly Disagree', 'Disagree', 'Agree', 'Strongly Agree'];\n\n  const BANDS = [\n    { min: 0,  max: 54,  tagline: 'Foundational level \u2014 a perfect place to begin.',\n      interp: \"You're starting at a foundational level, and that's a perfectly valid place to begin. The fact that you're here \u2014 honest enough to take this assessment \u2014 is the first step. Move slowly, be patient with yourself, and focus on building one small habit at a time.\",\n      showCta: true },\n    { min: 55, max: 73,  tagline: 'Building awareness \u2014 real progress ahead.',\n      interp: \"You have meaningful financial awareness and some healthy patterns already in place. There are real gaps to fill, but you also have a foundation to build from. The work ahead will deepen what you already know and help you close the specific areas where you feel least confident.\",\n      showCta: true },\n    { min: 74, max: 91,  tagline: 'Solid foundation \u2014 time to go deeper.',\n      interp: \"You're already doing real work. Your financial wellness practice has genuine substance. The next phase is about deepening your habits, closing the specific gaps showing up in your lower-scoring areas, and adding structural support to what you may already know intuitively.\",\n      showCta: true },\n    { min: 92, max: 100, tagline: 'Strong foundation \u2014 refine and sustain.',\n      interp: \"You've developed a strong financial wellness foundation across most dimensions. The work now is about refinement, consistency, and finding the specific areas where focused attention might unlock the next level of growth. 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