What is the Family Financial Reality Check?

A free 10-question, 2-minute self-assessment from Stoy and Michelle Hall of Black Mammoth that tells couples and families how organized their financial life actually is. It covers estate documents, insurance, savings habits, taxes, partner alignment, and whether your family could run the finances if the person who handles them were unreachable.

How do I know if my family's finances are organized?

Key signals include: both partners knowing where every account lives, signed wills and named guardians, life insurance that actually replaces income, saving on purpose before spending, taxes planned during the year, calm money conversations, retirement funded alongside kids' expenses, and instructions your loved ones could find if something happened. The Family Reality Check scores ten of these in two minutes.

Should couples take the Family Reality Check together?

Ideally yes, and comparing separate scores is even more useful: the questions two partners answer differently reveal exactly where the family's money conversations should start. The free score guide is written to be read together.

The Family Financial Reality Check | Free 2-Minute Quiz | Black Mammoth

Your result

8–10: The Architects

Your family runs on a real system. The gap for families like yours is usually the next layer: signed estate documents, real tax strategy, investments that know about each other.

You are exactly who our one-day Financial Freedom Blueprint was built for. Or start with an hour.

See the Financial Freedom Blueprint Or start with a Power Hour · $250

Your result

4–7: The Jugglers

Most families live here. Everything mostly works because ONE of you personally holds it together, and that’s exactly the problem: the system is a person. One hard season and the juggling stops.

The fix isn’t more effort. It’s structure, built once, maintained together. That’s what our ongoing planning does, and the Power Hour is how it starts.

See Holistic Planning · from $500/mo Or start with a Power Hour · $250

Your result

0–3: The Avoiders

First, from both of us: nothing is wrong with your family. You’ve been raising humans and living life while flying blind, and that’s most of the country. But you already know the 2am feeling that brought you here.

Nobody at Black Mammoth judges the mess. The mess is the job. One hour gets you your next three moves.

Book a Power Hour · $250

The Family Financial Reality Check

8–10: The Architects

4–7: The Jugglers

0–3: The Avoiders

Your score is the wake-up call. The guide is your family’s plan.