FEMFlow™ Protection Self-Assessment

Is Your Financial System Built to Protect You, or Just Keep You Afloat?

This 5-minute assessment gives you an estimated FEMFlow Protection Index™ score, which measures how financially protected you are based on your answers. It reveals where your financial system is strong, where it is fragile, and what that means for your business right now.

Answer honestly based on the last 90 days. There are no wrong answers. Only an accurate picture.

What is your name?

What is your email?

When you think about next month's bills, what is your gut reaction?

A

I feel anxious and start calculating what I need to make happen.

B

I feel a little tension until I confirm the money is there.

C

I mentally check that I'll have enough, but I'm usually fine.

D

I don't think about them. They are automated and covered.

In the last 90 days, how many times have you moved money between accounts to cover something?

A

Regularly. I am always shuffling to make things work.

B

A few times. Things came up.

C

Once or twice for timing reasons.

D

Never. Everything has its place.

If a $5,000 emergency happened tomorrow, how would you handle it?

A

I have an emergency fund specifically for this.

B

I would put it on a credit card and pay it off over a few months.

C

I would have to hustle to make extra money quickly.

D

I honestly don't know. I would figure it out.

If your income suddenly stopped tomorrow, how long could your life continue exactly as it is today before you would need to start making financial adjustments?

A

Six months or more. I have reserves specifically built for this.

B

A few months. I would be okay short term but would need to plan next steps.

C

A few weeks. I would start making changes pretty quickly.

D

Almost immediately. I would need income right away.

If you needed to cut your monthly expenses by 30% starting next month, how difficult would that be?

A

Straightforward. Most of my costs are discretionary.

B

Manageable. I would have to make some real trade-offs.

C

Very difficult. Most of my costs are fixed commitments.

D

Nearly impossible. I am locked into my current cost structure.

If your biggest customer or client left tomorrow, what would happen?

A

It would hurt but I would be fine. No single customer or client is more than 40% of my revenue.

B

I would need to find a replacement within 60 days to stay comfortable.

C

I would be stressed but could survive for a few months.

D

I would be in serious trouble immediately.

If your primary way of getting paid stopped working tomorrow, how long could your business cover its expenses before you would be at risk of missing a vital bill payment?

A

6 months or more.

B

About 3 months. I have a decent buffer.

C

1 to 2 months. I have a limited buffer.

D

A few weeks or less. I have little to no reserves.

How much of your business could run for 2 weeks if you completely disappeared?

A

Almost all of it. Systems and my team would handle it.

B

The basics would continue but growth would stop.

C

Things would start falling apart within days.

D

Everything would stop. I am the business.

How many hours do you work in a typical week?

A

Under 40 hours with clear boundaries.

B

40 to 50 hours, mostly predictable.

C

50 to 60 hours, but I love what I do so it is fine.

D

60 hours or more, I'm always behind.

When was the last time you took a full day off without checking work at all?

A

Within the last week.

B

Within the last month.

C

I can't remember.

D

That's not realistic for my business.

Do you have paid help in your business or home (team, VA, cleaner, childcare, etc.)?

A

Yes, in both my business and my home.

B

Yes, in one area.

C

Not yet, but I am planning to soon.

D

No. I do everything myself.

Do you have a dedicated savings or investment account that you contribute to separately from your operating expenses, one you treat as protected and do not pull from?

A

Yes. It has a balance I have built intentionally and I do not touch it.

B

Yes, but I have pulled from it when things got tight.

C

I have one but have not been contributing to it consistently.

D

No. Savings is whatever is left after everything else is paid.

When extra money comes in, a big sale, a tax refund, an unexpected payment, what do you typically do?

A

It goes to a specific savings or investment account.

B

I split it between savings and something I need.

C

I reinvest it back into the business for growth.

D

It gets absorbed into regular expenses.

If you stepped away from your business for three months next year, could your income and operations continue without you?

A

Yes. Financially and operationally.

B

Financially yes, but operations would struggle.

C

I would need to plan and save for at least a year.

D

That is not possible for me right now.