Financial Assessment

Complete all sections to calculate your DREAMS score

Gross monthly income from W-2 employment
1099 / freelance / business owner income
Pensions, annuities, IRA/401k distributions
SSDI, private disability insurance, VA disability
Court-ordered alimony or child support received
How much you withdraw monthly from retirement accounts (if retired)
Expected annual return on retirement investments (default 4%)
Your current age in years
The age at which you plan to retire
Children or other dependents you support

Credit Cards

Retirement Accounts

Electricity, water, gas, internet, etc.
Car payment, insurance, gas, maintenance
Your monthly housing payment
Total remaining balance on mortgage
Food, groceries, maintenance, subscriptions, childcare, etc.
Amount available after ALL monthly expenses above
Monthly amount you invest in non-retirement assets (stocks, bonds, crypto, etc.)

Investment Assets

Primary checking account balance
High-yield savings account balance
Money market account balance
Amount automatically transferred to savings each month
How much do you need to reach your goal? (e.g., $50,000 for a down payment)
How much have you already saved toward this specific goal?

Insurance Policies