Retirement Ready Quiz – NTL Coaching

Let’s be honest, most of us hit our 40s or 50s and suddenly realise we’ve been so busy keeping up with life that we haven’t stopped to ask:

This isn’t about guilt, spreadsheets, or telling you you’ve failed. It’s about pressing pause, checking in, and getting real about where you are, and where you want to go.

Whether you’re just starting to think about retirement or already planning your next chapter, this quiz helps you see how ready you really are, and which small shifts could make a big difference.

It’s not about being perfect. It’s about being honest. With yourself. Right now.

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1. How clearly do you understand your current financial situation (income, debt, assets)?

I’ve got no clue and avoid it like a scary envelope.

I’ve got a rough idea, but the cost-of-living mess has me overwhelmed

I dip in and out, usually when things feel tight

I keep track, but the rising costs still leave me second-guessing

I know my numbers and feel in control, even with prices doing backflips

2. Do you feel confident your lifestyle is sustainable long-term, without constant stress?

Not at all, I’m winging it month to month

Honestly? I’m not sure how long I can keep this up

Some months are fine, others are a stretch, it sort of balances out(ish)

I’m fairly steady, but rising costs still make me uneasy

Yep, I’ve built a lifestyle that works now and later

3. Do you feel ready to make the right choices for your future?

I mostly wing it and hope for the best

I read the odd blog but feel a bit lost tbh

I’ve picked up a few tips here and there

I’ve done my research, but second-guess myself a lot

I’ve got solid info and feel confident making decisions

4. Have you explored different retirement paths or strategies?

Nope, I’m just hoping it’ll somehow work out

I’ve thought about it… but not much beyond

I’ve dabbled, but nothing consistent

I’ve looked into a few options, and I’m narrowing things down.

Yep, I’ve explored routes that fit my lifestyle, values, and budget

5. Do you feel proud of how you’re handling this stage of life?

Not really….feels like I’m constantly behind

Some days, but other days I feel like I’m blagging adulthood.

I’m managing, but I know I could be doing more

I’ve made good progress and feel more in control

Absolutely, I’m showing up and levelling up.

6. Have you made meaningful changes in the past year to support your future?

Honestly? I’ve mostly been firefighting

I’ve thought about it, but haven’t acted on it yet

I’ve taken small steps, just not consistently

I’ve made some solid moves toward the future I want

I’ve made bold, intentional shifts and it’s paying off

7. Do you have ideas, passions or projects you’d love to pursue in retirement?

No clue…..I’m just focused on getting through the week

I’ve got vague thoughts but nothing concrete

A few ideas, but I rarely make time for them

I know what excites me, I just haven’t mapped it out yet

Loads! I’ve got a list and I’m already planting seeds

8. Are you ready to design an exciting retirement, not just survive it?

Not really; I’m just trying to make sure I can retire

I’d love that, but it feels out of reach

I’ve started thinking about how I want life to feel

I’ve got some fresh ideas brewing

100%….I want this to be the most alive chapter of my life

9. How often do you check whether your life actually feels aligned with your values?

Never, I’m just trying to keep up with everything

Rarely, I think about it, but don’t act on it

Occasionally, usually when something big shakes me up

Not as often as I should

Regularly, I make space to course-correct

10. Are you taking full responsibility for the direction your life is heading?

Honestly? I’m more in reaction mode than anything else.

I know I need to, but it feels overwhelming

I take some ownership, but old patterns creep in.

I’m owning more of it and making deliberate choices

Yep, no excuses, just responsibility and action

11. How often do you actually enjoy the life you’ve built so far?

Rarely, I’m too stressed or stretched to appreciate it

Occasionally, I get glimpses, but they’re fleeting

Sometimes, I just forget to pause and take it in

Often, I make time for the good stuff when I can

Regularly, I’m living with intention and appreciation

12. Do you feel like you’re creating a life that’s rich in meaning….not just money?

Not yet, it still feels like I’m trying to stay afloat.

I’ve thought about that, but don’t know where to start

I’m trying, hits and misses

I’m building towards it with more clarity now

Yes, I’m living in alignment with what really matters to me

Question 1 of 12

Think You’re Ready for Retirement, or Just Winging It?