Most scoring quizzes hide the math because there isn't any. Here's all of ours, including the parts that are opinion rather than fact.
Twenty-five questions, roughly four per category. Each answer maps to a fixed 0–100 curve, and a category is the weighted mean of its questions. Then:
That last line is the only interesting part. A flat average says someone with five 80s and one 25 is doing fine at 71. They aren't — the 25 is the thing that ends them, and they know it. The floor term pulls that person down to about 63 so the number matches the situation.
Financial security and direction carry the most weight because they gate the others: no runway means no ability to act on anything, and no direction means effort doesn't compound. That is a point of view, not a finding. Nobody has run the study. If you think connection should outrank money, you may well be right.
Financial security isn't the average of its four questions. Cash on hand and monthly spending only mean something combined, so they're turned into a runway figure first — scoring them separately would punish someone twice for living in an expensive city and reward someone sitting on savings while bleeding out every month.
Seven to nine hours scores highest. Nine or more scores below that, not above it. Several questions work this way — the curves are shaped, not straight lines.
No AI writes your result. The score, the categories and all three moves come from a fixed set of rules, so two people who answer identically get identical results — today and in six months. Nothing here is medical, financial or psychological advice, and a twenty-five question form does not know you.