Financial Health Assessment
Anthony and Simone: Diagnostic Radiology Household Scores 46 Out of 100
By Ryan Inman
Published · Updated
Diagnostic radiologyNew attending · Started in JulyCouple, engaged
Financial Health Assessment score
46 out of 100
Corrections
- Needs a workup 0 to 39
- Corrections 40 to 69
- Stable 70 to 84
- Healthy 85 to 100
The score grades the household on 20 measures across seven frameworks. Anthony and Simone lands at 46, in the Corrections band, score 40 to 69.
Anthony is a diagnostic radiologist in his first attending position, started in July, earning $360,000 a year including employer contribution, as stated. Simone is a retail pharmacist earning about $100,000 a year. The household earns $460,000, is engaged, and rents. The assessment scores the household 46 out of 100, in the Corrections band.
The debt is the file. His private loans stand at about $640,000 with Laurel Road at 3.3 percent, a minimum payment of $6,400 a month. Hers at about $100,000 with SoFi at 4.2 percent, at $2,000 a month. The stated plan pays the loans off in seven years. Beside the payments, the household states saving of close to $10,000 a month, about 26 percent of income, and holds about $50,000 of cash and her 401k at $110,000.
The Protection Stack holds three empty boxes, and the target is built from them. There is no life insurance stated for either earner, no umbrella policy, stated plainly, and no estate documents at all. Health cover stands on both earners and his disability policy is individual, and most of the rest sit in lines the record does not state, including emergency fund months, lanes, tracking, and contract clarity.
$740,000
Private student loans · about 1.61 times income
About $10,000 a month
Stated saving · about 26 percent of income
$50,000
Cash · checking and high yield savings
$460,000
Household income · radiologist plus pharmacist
58
Score with the three traced fixes · Corrections band
The short version
- The score: 46 out of 100, in the Corrections band. The Physician Wealth Equation earns the full 14 of 14, while the 3 Bucket Framework earns 0 of 20 and the Protection Stack 6 of 22.
- The household owes about $740,000 in private student loans, $8,400 a month in stated minimum payments, and plans to pay them off in seven years on a $460,000 income.
- Saving is stated at close to $10,000 a month beside those payments, about 26 percent of income, which carries the savings floor and the stretch box at full marks.
- Three Protection boxes stand empty: no life insurance stated for either earner, no umbrella, and no estate documents. The traced fixes fill exactly those three, 4 points each.
- Three traced fixes move the score 12 points to a 58. A score of 58 stays in the Corrections band, with the unstated 3 Bucket lines still open behind it.
A seven year plan for the debt, and no cover under it yet.
What They Did Right
A first year attending household carrying attending scale debt with a plan. This is the machinery already running.
- The loan call, executed Private loans deliberately refinanced at 3.3 percent and being executed. The box earns the full 6 on the new attending fork.
- Saving at about 26 percent Close to $10,000 a month beside $8,400 a month of loan payments. The savings floor and the stretch box both grade full.
- Debt at 1.61 times income $740,000 of student debt against $460,000 of income, under the new attending full line of 3.0 times. The Debt Anchor earns the full 10.
- Health cover on both earners Medical insurance in force on the radiologist and the pharmacist in the first attending year. The box earns the full 4.
- A seven year payoff plan The stated plan clears both private loans in seven years, ahead of the 10 year term on the larger loan.
The Score: 46 out of 100
The Financial Health Assessment grades a household across the same seven frameworks and lands the total in a band. Anthony and Simone scores 46, in the Corrections band. This household is scored on the attending rubric, on the new attending fork of the Transition framework.
20
Measures graded
7
Frameworks
46
Anthony and Simone's score
The 3 Bucket Framework earns 0 of 20. Milestones earn 0, because the milestone net cannot be determined from what the intake states. The emergency fund earns 0: its months are not stated, and no single monthly expense total is stated to grade them against. Named lanes earn 0, because the ability to sort every dollar is not stated. Goals funded earns 0: five goals are stated, and no earmarked funding is stated for them.
The Physician Wealth Equation earns the full 14 of 14. The Debt Anchor earns the full 10: total stated student debt of $740,000 against $460,000 of income is about 1.61 times, at or below the new attending full line of 3.0 times. Stretch saving earns the full 4: stated saving of about $10,000 a month is about 26 percent of income.
The Protection Stack earns 6 of 22. Health earns the full 4, on medical insurance stated for both earners. Disability earns 2: individual own occupation cover stands on Anthony, and Simone's disability cover is not stated. Life earns 0, because no life insurance is stated for either earner. Umbrella earns 0, because there is no umbrella insurance, as stated. Malpractice earns 0, type and tail not stated. Estate documents earn 0, because none exist, as stated.
The Transition framework, on the new attending fork, earns 6 of 10. The loan call earns the full 6: private loans deliberately refinanced with Laurel Road at 3.3 percent and being executed. Contract clarity earns 0, because a contract review or pay structure understanding is not stated.
The Tax Ladder earns 4 of 8, at 2 and 2: a Roth conversion and a pre tax 401k are planned with no bracket reason stated, and one deliberate move stands in place, the funded HSA, with the bracket not stated. The Decision Filter earns the full 4 of 4 on five stated goals.
The Lifestyle Guardrails earn 12 of 22: the Savings Floor at the full 12 on a stated saving rate of about 26 percent, the leak at 0 because the unaccounted amount and the tracking are not stated, and wealth first automation at 0, because automation is not stated and the 401k has not yet started.
| Framework | What it covers | Points |
|---|---|---|
| 02 3 Bucket Framework | Milestones 0, emergency fund 0, named lanes 0, goals funded 0, nothing stated to grade | 0 of 20 |
| 03 Physician Wealth Equation | Debt anchor 10 at about 1.61 times income, stretch saving 4 at about 26 percent | 14 of 14 |
| 04 Protection Stack | Health 4, disability 2, life 0, umbrella 0, malpractice 0, estate documents 0 | 6 of 22 |
| 05 Transition | Loan call 6, refinance executed. Contract clarity 0, review not stated | 6 of 10 |
| 06 Tax Ladder | Roth against pre tax 2, bracket plus moves 2 | 4 of 8 |
| 07 Decision Filter | Goals written 4, five goals stated | 4 of 4 |
| 08 Lifestyle Guardrails | Savings floor 12, the leak 0, wealth first automation 0 | 12 of 22 |
| Total | Corrections band | 46 out of 100 |
Read the shape, not just the total. The top of this file is attending scale and finished: a full wealth equation and a full savings floor in the first attending year. The bottom of the file is empty in two different ways: Protection boxes with nothing in force, life not stated for either earner and umbrella and estate stated absent, which the prescriptions can fill, and 3 Bucket boxes that are simply unstated, which no purchase fills. The target covers the first kind. The second kind waits on sentences.
The Prescription
Three traced fixes, and the open items behind them.
- Buy individual term life for both earners. This is the Protection Stack, and it gains 4 points, moving life from 0 to 4. No life insurance is stated for either earner today, on a household carrying about $740,000 of debt.
- Obtain umbrella coverage. This is the Protection Stack, and it gains 4 points, moving umbrella from 0 to 4. There is no umbrella insurance today, stated explicitly.
- Complete the estate documents. This is the Protection Stack, and it gains 4 points, moving estate documents from 0 to 4. A will, a power of attorney, and a healthcare directive for each partner. No children are stated, so the set is the adult set.
- State the 3 Bucket lines. Emergency fund months, dollar sorting, tracking, and goal funding are not stated, which holds a full framework at zero. No point gain is traced for this item.
Run the three traced fixes and the arithmetic is 46 plus 12, a score of 58. The gains are 4 for term life, 4 for umbrella coverage, and 4 for the estate documents, all in the Protection Stack. A score of 58 out of 100 keeps the household in the Corrections band.
What This Case Teaches
A target can be three purchases in one framework. This household's missing points split into two kinds: boxes with nothing in force, which a prescription can fill at a stated price in points, and boxes never stated at all, which wait on information. The record builds its target from the first kind only, 12 points in the Protection Stack, and leaves the second kind open on this page.
Price the empty boxes. List the unstated ones.
The second lesson is the order of a first attending year. The loan call is made, the saving rate is full, and the cover that stands behind two incomes and $740,000 of debt is three purchases deep. Together they are the whole distance from 46 to 58.
Behind the score
The Household
Anthony is a diagnostic radiologist in his first attending position, started in July, at $360,000 a year including employer contribution, as stated in the record. Simone is a retail pharmacist at about $100,000 a year. The household earns $460,000. The couple is engaged, no children are stated, and the household rents.
Cash stands at about $50,000: about $10,000 in a TD checking account and about $40,000 in a TD high yield savings account. Emergency fund months are not stated, and no single monthly expense total is stated, so the months cannot be calculated. Her 401k holds $110,000. His HSA holds $3,550, funded last month. A shared hardware wallet holds 1.2 Bitcoin and 4 Ethereum, with values not stated.
Fifty thousand in cash, and no month count the record can grade.
Stated saving runs close to $10,000 a month, not counting the student debt payments, about 26 percent of the $460,000 income. The 401k has not yet started. The record states no lanes, no tracking, and no earmarked goal funding, which is why the whole 3 Bucket Framework grades at zero beside a savings rate at full marks.
Debt is the two private loans. His are about $640,000 with Laurel Road at 3.3 percent over 10 years, minimum payment $6,400 a month, deliberately refinanced and being executed, which is what the loan call box grades at full marks. Hers are about $100,000 with SoFi at 4.2 percent over about 5 years, at $2,000 a month. There is no credit card debt stated and no mortgage. His lease ends in about a year and her SUV is financed, balances not stated. The stated plan pays the loans off in seven years.
Protection stands in two layers and three empty boxes. Health cover is in force on both: his at about $500 a month plus dental at about $25, and hers at about $200. His disability cover is individual own occupation through Guardian, about $400 a month for a benefit of up to $4,000 a month, with riders. Her disability cover is not stated. There is no life insurance stated for either earner. There is no umbrella insurance, stated explicitly, and no estate planning documents, stated explicitly. Malpractice type and tail are not stated.
| Household fact | Where it stands |
|---|---|
| Careers | Diagnostic radiologist, first attending position started July. Retail pharmacist |
| Household income | $360,000 including employer contribution, as stated, plus about $100,000. Household $460,000 |
| Family | Couple, engaged. No children stated. Renting |
| Student loans | His about $640,000 private with Laurel Road at 3.3 percent, $6,400 a month. Hers about $100,000 private with SoFi at 4.2 percent, $2,000 a month. Total about $740,000 |
| Mortgage | None. The household rents |
| Other debt | His lease ending in about a year and her financed SUV, balances not stated. No credit card debt stated |
| Emergency fund | Cash about $50,000. Months not stated and not calculable from the record |
| Saving | Close to $10,000 a month stated, not counting debt payments. About 26 percent of income. His 401k not yet started |
| Balances | Her 401k $110,000. His HSA $3,550. Shared hardware wallet 1.2 Bitcoin and 4 Ethereum, values not stated |
| Disability | Anthony: individual own occupation Guardian, about $400 a month, up to $4,000 a month benefit with riders. Simone: not stated |
| Life insurance | None stated for either earner |
| Umbrella | None, stated explicitly |
| Estate documents | None, stated explicitly. No children stated |
| Goals | Five stated goals. No earmarked funding stated. No cash flow allocation for the house goal |
The Two Frameworks Behind the Score
The score grades 20 measures across seven frameworks. Two of them carry this case: the Protection Stack, which scores 6 of 22 with three empty boxes, and the 3 Bucket Framework, which scores 0 of 20 with nothing stated to grade.
Framework one
The Protection Stack
The Protection Stack grades the coverage that keeps one bad month from ending the plan. Health and disability stand in part, and three boxes stand empty: 6 of 22.
- Health cover Built
- Medical insurance stands on both earners, his at about $500 a month and hers at about $200 a month. The box earns the full 4 of 4.
- Disability, one earner stated Partial
- His individual own occupation policy pays up to $4,000 a month, with riders. Her disability cover is not stated. The box earns 2 of 4.
- Life, umbrella, and estate documents Missing
- No life insurance is stated for either earner, there is no umbrella, stated plainly, and there are no estate documents. Each box earns 0, and all three are traced fixes.
Framework two
The 3 Bucket Framework
The 3 Bucket Framework grades the milestones, the cash cushion, the lanes, and whether the goals carry money. This file states none of the four: 0 of 20.
- Milestones and the emergency fund Missing
- The milestone net cannot be determined from the intake, and the emergency fund months are not stated, with no single expense total to grade them against. Each box earns 0.
- Named lanes Missing
- The ability to sort every dollar is not stated. The box earns 0 of 4.
- Goals funded Missing
- Five goals are stated, and no earmarked funding is stated for them. The hosts note no cash flow allocation for the house goal. The box earns 0 of 6.
Seven Hundred Forty Thousand in Private Loans
The first look is the caller's statement: his private student loans with Laurel Road stand at about $640,000. Hers adds about $100,000 with SoFi. The household total is about $740,000, every dollar of it private, against $460,000 of income.
The payments run $8,400 a month in stated minimums, $6,400 on his side and $2,000 on hers, and the stated plan pays the loans off in seven years, ahead of the 10 year term on his loan. The loan call box grades the shape at full marks: the Laurel Road refinance at 3.3 percent was deliberate and is being executed.
The debt has a rate, a schedule, and an end date. The cover does not exist yet.
Private is the word that matters in this box set. These loans carry no federal forgiveness track, and the record grades the household's own plan instead: refinance executed, payments running, payoff dated. New attendings are graded on the loan call they made, and this call grades full.
Elsewhere in the file: the house goal carries no cash flow allocation, the 401k has not yet started, and the emergency fund has no stated month count.
Three Empty Boxes in the Protection Stack
The second look is the target, because the target is three empty boxes in one framework. No life insurance is stated for either earner. There is no umbrella insurance, stated explicitly. There are no estate planning documents, stated explicitly. Each box grades 0, and the record traces 4 points to filling each one.
The two earners make the life box plain. A radiologist at $360,000 and a pharmacist at about $100,000, engaged, with $740,000 of debt between them, and no term policy stated on either income. The umbrella box is the same shape at household scale: cover that stands behind the debt, absent in full.
Three boxes, three purchases, twelve points.
The estate set is the adult set here: no children are stated, so no guardian line is open. A will, a power of attorney, and a healthcare directive for each partner, in an engaged household. The stack's remaining lines stand beside them: her disability cover not stated, and malpractice type and tail not stated.
Run all three fixes and the Protection Stack moves from 6 of 22 to 18 of 22, a gain of 12 points in one framework. The 3 Bucket zeros stay where they are, because they are unstated rather than unbought, and this page keeps the two kinds of zero separate.
Milestones: Scored on What Is Stated
Inside the 3 Bucket Framework, the milestone checklist tracks the markers a household has already hit. This checklist earns 0 for Anthony and Simone, because the intake never states a milestone list the net can be computed from. The box pays only for stated milestones.
The rest of the bucket picture: the emergency fund earns 0 with its months not stated, named lanes earn 0 with no sorting stated, and goals funded earns 0 with no earmarked funding stated for five written goals. The framework earns 0 of 20.
Questions this case answers
What score did Anthony and Simone receive on the Financial Health Assessment?
Anthony and Simone scored 46 out of 100, in the Corrections band. The Physician Wealth Equation earns the full 14 of 14, while the 3 Bucket Framework earns 0 of 20 and the Protection Stack 6 of 22.
How much student debt does the household carry?
About $740,000, all of it private: his loans of about $640,000 with Laurel Road at 3.3 percent, a minimum payment of $6,400 a month, and hers of about $100,000 with SoFi at 4.2 percent, at $2,000 a month. Against $460,000 of income that is about 1.61 times, at or below the new attending full line of 3.0 times, so the Debt Anchor earns the full 10.
What protection is missing for Anthony and Simone?
There is no life insurance stated for either earner, no umbrella policy, stated plainly, and no estate documents. Her disability cover is not stated, and malpractice type and tail are not stated. Health cover stands on both, and his individual disability policy pays up to $4,000 a month.
What do the fixes do to Anthony and Simone's score?
Three traced fixes move the score 12 points, from 46 to 58, and all three sit in the Protection Stack: term life for both earners, an umbrella policy, and completed estate documents, 4 points each. A score of 58 out of 100 keeps the household in the Corrections band.
Sources and Basis
This assessment is built from the household's own intake for the Financial Health Assessment and the episode assessment of it. Every figure on this page comes from that record, and the score is traced box by box under the locked attending rubric.
The attending rubric weights the seven frameworks at 20, 14, 22, 10, 8, 4, and 22, for a total of 100. The bands are Needs a workup from 0 to 39, Corrections from 40 to 69, Stable from 70 to 84, and Healthy from 85 to 100. Attendings are scored on the Transition fork by years since training: the loan call, and the new attending contract.
Written by Ryan Inman, MBA, MAFM. Last updated October 2026.