BFA Collective
Member Worksheet · Paid Resource
THE BLACK
WEALTH AUDIT
WORKSHEET
A practical self-assessment to help you see where your money is leaking, where your assets are growing, and what needs to change next.
01
Section One
Wealth Snapshot
Your real numbers, right now. No estimates. No rounding up. The truth is the starting point.
02
Section Two
Asset Check
Check everything you currently have in place. Unchecked boxes are your roadmap, not your shame.
✓
Retirement Account (401k / IRA)
✓
Brokerage / Investment Account
✓
High-Yield Savings Account
✓
Real Estate (primary or investment)
✓
Business Ownership / Equity
✓
3–6 Month Emergency Fund
✓
Monetizable Skills / Expertise
✓
Strong Professional Network
03
Section Three
Debt & Cash Flow Audit
Know what you owe and where the money goes. Naming it is the first step to eliminating it.
04
Section Four
Wealth Behavior Score
Wealth is built through daily behavior, not occasional decisions. Your score is your baseline — not your ceiling.
I know exactly how much money comes in every month.
I know exactly how much money goes out every month.
I save or invest before I spend.
I have at least one income-producing asset.
I am actively increasing my earning power.
I have a written debt payoff plan.
I have an emergency fund (any amount).
I review my finances at least once a week.
I understand where my money is invested.
I have a clear wealth goal for the next 12 months.
0/10
Answer the questions above
Your Wealth Behavior Score measures daily financial habits — the real driver of long-term wealth.
05
Section Five
Your Wealth Category
Determined by your Wealth Behavior Score from Section 4. Complete the questions to unlock your category.
06
Section Six
90-Day Action Plan
Six commitments. Ninety days. Writing this down and following through changes financial trajectory permanently.
07
Section Seven
Your Audit Summary
Generate your complete summary when you've finished all sections. Save it. Print it. Return to it in 90 days.
◆ Your Top 3 Action Steps