Listen first
Agree the audience and invite questions about the subjects people want covered. The public Index stays private.
Financial Wellness Index
Five dimensions. A clearer starting point.
The Index is a private reflection tool from Money, Just For Her. Fifteen questions bring together everyday money, resilience, commitments, future plans and choice.
The thinking behind it
What each dimension explores.
These are conceptual influences, not a claim that the Money, Just For Her questions reproduce or validate another organisation’s scale.
| Dimension | What it asks about | Evidence informing the theme |
|---|---|---|
| Day-to-day control | How visible and manageable everyday money feels. | The CFPB framework includes the ability to manage everyday finances. CFPB framework ↗ |
| Financial resilience | How much room you have to absorb a setback or interruption to income. | The CFPB framework includes the ability to withstand a financial shock. CFPB framework ↗ |
| Debt & commitments | Whether repayments and fixed costs leave room for the rest of your life. | The OECD/INFE toolkit considers financial behaviour, resilience and wellbeing. Money, Just For Her gives commitments their own dimension. OECD/INFE toolkit · 2022 ↗ |
| Future readiness | How connected today’s decisions feel to your longer-term plans. | The CFPB framework includes progress towards financial goals. CFPB framework ↗ |
| Confidence & choice | Your sense of being able to ask questions, make decisions and act. | The CFPB framework includes freedom of choice. The confidence wording is original to this Index. CFPB framework ↗ |
The CCPC’s 2024 research on financial wellbeing disparities in Ireland provides Irish context for the relationship between financial literacy, resources and circumstances. A score should be read in the context of someone’s income, caring responsibilities, work and options.
Illustrative example
What a result can look like.
This fictional example has an overall score of 55/100. The five dimension scores are averaged equally.
It suggests that longer-term plans could be a useful place to begin a conversation. It does not say which product to choose or establish that someone is financially secure.
These are demonstration numbers, not participant results or pilot findings.
Day-to-day control75/100
Financial resilience50/100
Debt & commitments50/100
Future readiness25/100
Confidence & choice75/100
Transparent scoring. Clear limits.
There are three questions per dimension, each answered on a 1–5 scale. Negatively worded items are reversed. Each dimension is converted to 0–100; the five dimension scores carry equal weight in the overall score.
The wording and scoring choices are original to Money, Just For Her. This is an evidence-informed reflection tool, not a validated diagnostic, a research benchmark or a test of personal worth.
Private by default
The public questionnaire does not ask for a name, email address, account balance or other financial figures. Responses stay on your device.
Your result is not automatically sent to Karena or an employer. You choose whether to bring it to a coaching conversation.
Read how the current Index works →Employer briefing
Use the themes to shape useful education.
The five dimensions can frame a voluntary conversation about what employees want to understand. They can help structure topics, such as pensions and benefits, everyday money or preparing for an income change.
Design around needs
Choose relevant workshops and resources. Treat self-reported confidence as one input alongside questions and employer context.
Review carefully
Any separate workplace survey needs an agreed purpose, privacy information and reporting safeguards. Do not rank employees or use scores to claim proven financial outcomes.
No pilot findings or employer benchmarks are being claimed. A separate workplace measurement approach would be agreed before collecting any employee information.
Book a workplace conversation ↗