The Lamp is where everything begins — your main account, your foundation. Before you can direct 50% of your income into the five jars, you need to know what's currently dimming your light. This check-in helps you see clearly where you stand with debt, without shame and without hiding.
Check every question that is currently true for you.
🔥 Check all that apply to you right now
I am borrowing money to pay for things I used to pay for with cash.
A larger percentage of my income is going toward debt payments than it did last year.
I've used money set aside for one thing (like groceries or rent) to pay a different bill instead.
I have dipped into savings to cover everyday or monthly bills.
My emergency fund does not yet cover 3 to 6 months of expenses.
When I pay credit cards or revolving accounts, I typically pay only the minimum amount due.
It is taking me longer and longer to pay off what I owe.
I am near or at the credit limit on one or more of my cards or credit lines.
I have taken out a new loan before the old one was paid off, or used a new loan to pay an existing one.
I am not certain of the total amount I currently owe across all accounts.
I am regularly late paying one or more bills each month.
I have received a threat of repossession, card cancellation, collections contact, or other legal action.
Saves right here in your browser — no login needed — so you can come back anytime and compare today's score to your last 25 check-ins.