It’s just downright bizarre, to be honest with you. They ask your age and gross income, but not if you’re married. Let’s say, for the sake of discussion, you enter your info like a single unit (one income–and one age–the average age of you and your spouse). Even still, the survey doesn’t take in enough information to give you even a cursory grade for your financial health.

It doesn’t ask if you have health insurance or not. I’m not saying you’ve got to have it or not, but if you plan to self-insure, you need to have a lot more financial stuff going on than if you’re not. Then, it asks that totally bizarre question about life insurance. If you are single and no one depends on you for income, you need no life insurance. The point of life insurance is to protect your survivors against the loss of your income (or for at-home mothers, what it would cost to do the things they do for no income). Why even ask the question if you don’t have enough information to evaluate the answer. A person with $0 life insurance is fine if they’re single. A person with $0 with four kids is woefully uninsured.

Strangely, it didn’t ask about disability insurance, which seems more important than life insurance. To me it seemed woefully inadequate for giving you a true financial health grade.