Understanding Your Income Stress Test Results

The Income Stress Test is designed to help you make sense of how your income feels — and why — without judgment or pressure to change anything yet.

How the assessment works

 The Income Stress Test looks at patterns related to income stability, predictability, and support — not effort, motivation, or worth.

Your responses are scored and grouped into one of three result categories based on how supported your income structure appears to be right now.

There are no “good” or “bad” results. Each category simply highlights different pressures and trade-offs that may be present.

 

What Each Result Means

Stable

A Stable result suggests that your income currently meets your core needs and feels relatively predictable.

This doesn’t mean everything is optimized or that growth isn’t possible — it means there’s a foundation in place. Many people with Stable results are deciding whether to protect what’s working, adjust for sustainability, or explore what’s next more intentionally.

 

Strained

A Strained result suggests that your income may technically “work,” but it requires a high level of effort, vigilance, or trade-offs to maintain.

This often shows up as working harder than feels reasonable, feeling financially tight despite doing a lot, or carrying ongoing stress about consistency. Strain is a structural signal — not a personal failure.

 

Fragile

A Fragile result suggests that your income feels unpredictable, uncertain, or difficult to rely on.

This may involve inconsistent hours, variable demand, limited buffers, or a lack of support built into the structure itself. Fragility doesn’t mean your work isn’t valuable — it means the current setup isn’t reliably supporting you yet.

 

A note worth repeating

Your result reflects structure, not skill.

Many highly competent, ethical, experienced dietitians land in Strained or Fragile categories — often because they were never taught how income models work or given support to design them intentionally.

This assessment is meant to name what’s happening, not tell you what you should do next.

If you’re curious about what it would look like to move toward more clarity or support over time, that’s the kind of work we explore inside Dietitian Wealth Accelerator — at a pace that respects your values and real life.

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