Being financially vulnerable (scores ranging from 0-39 points) means you are probably having a hard time keeping up with your bills and expenses, which could put you in a tough position if a surprise expense comes up.
Financially coping (scores ranging from 40-79 points) likely means you are doing really well in some areas of your finances, but are a bit behind in others. The goal is to continue building resilience in the four primary areas of your financial health so that you'll be ready to handle an emergency expense if it comes up.
Depending on your specific needs, Monarch has a ton of great tools for mastering all aspects of your financial health. Browse all of the features here.
Being financially healthy (scores ranging from 80-100 points) likely means you are successfully managing all of the core pillars of your financial health. Great job! If you fall into this category, the goal for you is to stay on track, and revisit your goals every few months to make sure you are working toward the future you want for yourself.