THE COLLECTION · VOLUME 04
Retirement Readiness Scorecard
Retirement readiness is about more than having enough money.
You can be financially capable of retiring without necessarily feeling ready for retirement.
There is the money, of course: pensions, income, spending, investments and resilience. But there are also questions about how you will use your time, how long your healthy years may last, how much you want to help your family and what you eventually want to leave behind.
The Retirement Readiness Scorecard brings those questions together in one practical self-assessment.
It is designed to help you see which parts of your retirement thinking already feel solid — and which deserve more attention before, during or after retirement.
Are you ready for retirement — not just financially?
Most retirement planning begins with a date and a number.
When can I stop working? How much money will I need?
Those questions matter, but they don't tell the whole story.
You might understand your pensions perfectly but have given little thought to what an ordinary week will look like without work. You may have enough money but still find spending uncomfortable. Or you may have plans for the next few years without considering how life and expenditure could change if retirement lasts 30 or 40 years.
The scorecard is designed to broaden the conversation.
Because being able to retire and being ready for retirement aren't necessarily the same thing.
Ten areas of retirement readiness
Financial Picture
Do you know what you own, owe and have available?
Retirement Income
Do you understand where your retirement income will come from and which sources are secure?
Spending Confidence
Do you know what your life actually costs — and how that might change in retirement?
Investment Readiness
Are your investments aligned with the life they need to support?
Resilience and Protection
Could your plan cope if life changed unexpectedly?
Enough and Confidence
Have you thought seriously about what enough means for your own life?
Time and Purpose
Have you considered what you are retiring to, not simply what you are retiring from?
Health and Good Years
Are you planning around the years when you can actively enjoy your freedom?
Family and Generosity
Can you help the people you care about without undermining your own independence?
Legacy and Next Steps
Are your affairs organised enough to make life easier for the people you leave behind?
How the scorecard works
For each of 50 statements, you score yourself:
0 — Not yet
1 — Partly
2 — Confident
Each of the ten areas produces a score out of 10, giving an overall Retirement Readiness Score out of 100.
But the total isn't really the point.
A score of 75 doesn't necessarily mean you are “more ready” than somebody scoring 70. One weak area may matter considerably more than several strong ones.
The real value comes from seeing the pattern.
Where are you already confident — and where would a little more thought or action make the biggest difference?
A few questions worth asking yourself
You don't need to complete the whole scorecard to discover whether there are areas worth thinking about.
Do you have a clear picture of what you own, what you owe and what your life actually costs?
Do you understand where your retirement income will come from — and how reliable it is?
Could your financial plan cope if markets, inflation or your circumstances turned out differently from expected?
Have you thought about what an ordinary, fulfilling week might look like when work no longer structures your time?
Are there experiences you want to enjoy while you still have the health and energy for them?
Have you thought about how helping your family, giving money away or leaving a legacy fits alongside your own financial independence?
See what's inside
The aim isn't to achieve a perfect score.
It is to identify the areas that deserve your attention while there is still time to improve them.
Once you've completed the assessment, the scorecard helps you choose three priorities and turn them into practical actions over the next 90 days.
The objective is not a better score. It's better decisions.
Click any preview to download the free workbook.
Knowing where you are changes what you can ask
Once you've brought everything together, more interesting questions become possible.
Do I have enough to retire?
How much income will I actually need?
Could I afford to stop working earlier?
Am I holding too much cash — or too little?
Could I afford to spend more?
What happens if I live considerably longer than expected?
The workbook won't answer every one of those questions for you.
But it gives you something much more useful than a guess:
A starting point based on your own financial reality.
Ready to see how retirement-ready you are?
The Retirement Readiness Scorecard is free to download and designed to help you identify which areas of your retirement planning deserve the most attention.
Volume 04 · The 100 Tomorrow Collection
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