What Is The Financial Strength Score?

“Financial Strength” can mean different things to different people. We define Financial Strength as the ability to withstand unforeseen events that may occur, and the flexibility to take advantage of opportunities with fewer financial restrictions.

The Financial Strength Score is a number that represents an individual’s financial strength. The purpose of the Financial Strength Score (“FSS”) is to provide a comprehensive quantitative score for an individual’s financial strength. It is a tool that takes inventory of your money situation, factors in lifestyle and identifies what areas of your finances you can change to improve your financial situation. Watch Video

A Strong Score (701 to 1000)

fss_strong_score

Indicates that a person is in a position of relative financial strength, and unforeseen financial events will not require a change to their lifestyle.

A “Caution” Score (401 to 700)

Suggests that a person may have the financial means to handle some unforeseen events, but not others.

A Weak Score (0 to 400)

Indicates that unforeseen financial events in a person’s life are likely to have a significant impact on their current lifestyle.

The first step in calculating a FSS is for an individual to provide four areas of information: WHAT YOU HAVE (assets), WHAT YOU OWE (liabilities), WHAT YOU MAKE (income), and WHAT YOU SPEND (expenses). Each and every individual has these four categories. The FSS is wholly dependent on this information and not indexed to any outside data.

The FSS also measures strength in four categories: Security, Debt, Lifestyle, and Solvency.

Security measures one’s ability to manage unforeseen events with WHAT YOU HAVE.
Debt measures WHAT YOU OWE relative to WHAT YOU HAVE and WHAT YOU MAKE.
Lifestyle measures the difference of Wants versus Needs in WHAT YOU SPEND category.
Solvency measures the ability to cover WHAT YOU OWE with WHAT YOU HAVE.

The FSS then provides three types of strength for each category: Weak, Caution, or Strong.

Weak is defined as any unforeseen event will have a significant impact on lifestyle.
Caution is defined as some unforeseen events may have a significant impact on lifestyle.
Strong is defined as most unforeseen events will not require any change to lifestyle.

How Does The Financial Strength Score Help You Find Money?

This score gives you a baseline of where you stand and is the first step in creating a systematic plan for reaching longer term goals. This comprehensive personalized assessment will allow you to manage your monthly progress during the process of building financial strength.Click here to view a sample report

Financial Strength Score evaluates where your money is really going. It compares your current spending on your home, food, transportation, health and other monthly expenses to the nationally recommended target spending amounts. Your chart will show you exactly what percentage you are currently spending and what your spending should be. If you are currently spending more than the recommended amount in a particular category, your report will also show you how much you can save each month by adjusting your spending to the target amount. Watch Video

Do My FSS

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About Us

Financial Strength Builder™ (FSB) was designed in response to today's need for basic sound financial practices, a return to financial well-being, and the ability to realize one's dreams while providing for the future. Financial Strength Builder's founders have many years of experience in the financial services industry. Working with consumer finance, they recognized that financial needs have changed, with a growing demand for training on financial basics.

FSB founders identified a lack of knowledge today about even the most basic of household finances. Many people are living paycheck to paycheck, sometimes compromised by even the smallest of unexpected expenses. Financial hardships can be caused by deaths in the family, one or both spouses losing their job, medical hardships or other emergencies. Others, with homes they depended upon as a source of cash, now find those homes have lost their value. The desire to help educate American households in financial literacy, while showing them how to increase their financial strength, forms the basis of the mission statement for Financial Strength Builder™.

Financial Strength Builder™ is designed to provide solutions for achieving ones best financial life through a unique blend of life coaching and financial direction designed to help build greater financial strength. The founders of FSB thought the most effective way to educate people about relatively boring and dry financial matters would be to create a fun, online game that would captivate and hold people's attention while educating them on basic household finances, including help with behavioral changes that would facilitate continued interest and growth in one's ability to achieve financial strength. The first 'edutainment' tool, The Frugality GameTM, was soon developed. Since then The Frugality Game™ has evolved helping many people stabilize their finances while providing some measure of relief from long standing financial stress.

Educating adults in distress was the first step, but FSB then went on to address basic financial literacy with children. If we could create financially literate children, then as adults they may not have to go through the financial hardships their parents did. Going out to the non-profit market, pilot programs were done with various groups looking for a way to educate children in financial literacy. These pilot programs achieved success and were instrumental in the development of two new children's tools, Frugality Teenz™ and Chalkboard Kidz™.

In addition to The Frugality Game™, Frugality Teenz™ and Chalkboard Kidz™, FSB addresses the needs of adults with the Financial Strength Score™ (FSS) and the concept of the Four Foundations of financial strength . From targeted financial rescue strategies and basic financial literacy for adults, to the financial education of one's children, to financial education and single source savings. FSB is the only company to have addressed the issue of successful personal finance from all directions, providing the user the opportunity to not only become financially literate, but giving them ongoing tools that allow them to be able to hope again and make plans for their future.