## What the wellness score measures
The **Wellness** dashboard summarizes your financial health as a 0–100 total score built from four **pillars**: **liquidity** (emergency cushion), **retirement** (plan success probability), **protection** (income and insurance resilience), and **efficiency** (how well accounts and taxes are structured). Scores are educational indicators, not advice.
## How pillar scores are weighted
Pillar weights adapt to your **life stage**. Early-career households weight liquidity highest; pre-retirees weight the retirement pillar highest. A critically low liquidity cushion (under about one month of expenses) caps the total score regardless of other pillars.
## Liquidity pillar
The **liquidity pillar** compares accessible cash to monthly expenses. Roughly six or more months of expenses scores excellent, three to six months good, one to three fair, and under one month poor. Add your checking and savings balances as positions so the calculation sees your actual cushion.
## Retirement pillar
The **retirement pillar** is driven by your plan's **success probability** from the projection engine. An incomplete plan receives a neutral placeholder score—run the planning wizard and a projection to replace it with a real number.
## Nudges
**Nudges** are prioritized suggestions (critical, high, medium, low) generated from your scores—for example, building an emergency fund or completing plan assumptions. Each nudge links to the page where you can act on it. Nudges refresh when scores recompute.
## Improving your score
Scores read from your portfolio data and plan assumptions. The fastest improvements: add balance lines so pillars have real data, complete the planning wizard, and run a projection. Score history lets you track changes over time.
Educational content only—not personalized investment, tax, or legal advice.