Lifestyle

How to Measure Financial Well-Being (and Why It’s Worth It)

Published

5 years ago

August 7, 2020

One of the most challenging aspects of managing money is figuring out where you stand financially. After all, there’s nobody looking over your shoulder telling you whether the decisions you make are right or wrong. It helps to first have a framework for measuring your financial well-being — sort of like a report card.

The point of measuring your financial well-being against benchmarks is to help you get a sense of where you stand — and what actions you could take to bring yourself closer to your goals.

Here’s more on how to evaluate your financial standing and why it’s worth it to do so periodically.

Try the Consumer Financial Protection Bureau Well-Being Scale

The CFPB has actually developed a scale to help consumers assess their financial situations. Users answer sets of questions to determine where they fall on the scale, then add up the point values of their responses to get an overall “financial well-being score.” Users can then compare their scores to U.S. averages, as well as access resources on common topics — like tracking expenses, dealing with debt, saving and investing.

From these questions we begin to see some of the categories that define financial well-being, like:

The ability to cover a large unanticipated expense without going into debt.
Having money left over at the end of the month.
The degree to which finances control your life and choices.
Having room in your budget to cover variable expenses (like gifts for special occasions).
Staying on top of bills and financial decisions rather than falling behind.
Planning for the future, as well as managing money in the present.

If you’re short on time, you can fill out an abbreviated version of this scale to get a general feel for where you stand. If you’d like to take a more in-depth look, there’s a standard version with more questions.

According to the CFPB, financial well-being encompasses:

Net Worth: A Broad Look at Financial Well-Being

Perhaps the quickest and most straightforward way to evaluate financial well-being at a glance is calculating your net worth.

1. Tally up the value of your assets — like savings accounts, investments, vehicles, etc.

2. Tally up the total amount of your liabilities — like credit cards, mortgages, other loans, etc.

3. Subtract the liabilities from the assets.

These days, you can even plug these values into a simple net worth calculator rather than doing the math by hand.

Improving Your Financial Well-Being

It can be quite frustrating to find your financial well-being currently falls short of where you’d like it to be. However, getting an honest feel for where you stand today is the first step toward attaining your ideal financial future; it will help you set realistic goals and measure your progress.

Here’s an example: Many people exist in debt denial. They know they owe money, but avoid sitting down and looking at exactly how much — let alone planning how to repay it. Assessing their financial well-being could be the push they need to finally take an honest look at their budget and debts. After figuring out where they stand, someone in this situation may decide to speak with a credit counselor who then helps them get enrolled in debt relief management. Under a debt management plan (DMP), the person is able to consolidate their debts through the agency and pay what they owe over the course of three to five years at reduced interest.

According to Michigan State University, there are four general behaviors which support financial well-being:

Living within your means by actively managing your money.
Conducting research and gaining knowledge about financial decisions.
Setting realistic goals and planning for the future.
Following through on all three aforementioned behaviors over time.

Measuring financial well-being means checking in across various aspects of money management, which is why it’s a good practice for anyone and everyone. Only by understanding where you stand today can you set goals and make effective decisions for tomorrow.

Lifestyle

Confronting Propaganda: Street Smart Documents Honest Reactions to Gaza Indoctrination Footage

Published

5 days ago

November 6, 2025

Michelle Langton

Photo Courtesy of: Street Smart

Byline: Michelle Langton

In a recent project, the Street Smart team gathered 20 strangers and presented them with propaganda footage from Gaza that has circulated widely online but remains largely unfamiliar to many audiences. The aim wasn’t to provoke outrage or test media literacy in a classroom setting. It was to capture raw, unfiltered emotional reactions to material that reveals how narratives are formed at the source. The resulting video offers a candid look at how people process shocking content and how their perceptions shift when they see what is rarely shown on mainstream platforms.

The Structure of the Experiment

The format was simple. Participants were seated and shown a series of clips from Gaza, including children’s programming and broadcasts containing intense ideological messaging. No background information was provided, and viewers were not instructed on how to interpret what they were seeing. After watching, they were asked for immediate reactions.

The footage elicited a wide range of emotions. Some viewers were stunned by the content, admitting they had never seen anything like it before. Others expressed disbelief, questioning why this kind of material isn’t more widely discussed. A few were visibly shaken, saying the experience fundamentally altered their understanding of the situation.

By presenting the footage without narration or added commentary, Street Smart allowed participants’ genuine responses to emerge. The experiment revealed how propaganda can affect an entire generation. It can shock, unsettle, and force people to reconsider their assumptions.

Why This Project Matters

Sage Fox and Dorani aligned the purpose of this experiment with Street Smart’s broader mission of challenging prevailing narratives and encouraging critical thought among younger audiences. In an environment where footage spreads rapidly across digital platforms, propaganda can shape public opinion long before context catches up.

By showing the Gaza Indoctrination footage in a controlled setting and recording uncoached responses, the team aimed to expose the emotional and cognitive impact of this type of content.

“The first reaction is often the most revealing, because it shows how powerful images can be without context.”

The Range of Reactions

While each participant brought their own perspective, several themes emerged. Some expressed sympathy with the imagery itself, saying it was emotionally powerful.

One participant said, “It makes me question what I see online every day. How much of it is shaped this way?”

Their comments highlight how propaganda resonates differently depending on prior knowledge and exposure. Many viewers have simply never encountered such footage directly.

Street Smart’s Approach

This project continues a pattern established by Sage Fox & Dorani’s earlier videos. Rather than relying on experts or lengthy analysis, Street Smart focuses on real people and their honest reactions. The approach is simple but effective. Present potent material, listen to what people say, and share those moments with a wider audience.

The Gaza Indoctrination footage experiment fits this model. It doesn’t attempt to draw final conclusions or offer political commentary. Instead, it documents how people respond when they’re exposed to narratives that are usually filtered through intermediaries.

Implications for Media Literacy

Beyond its viral potential, the video raises broader questions about how people interact with powerful imagery online. Propaganda operates on emotional reflexes. As this experiment shows, those reflexes are often unexamined until they’re brought to the surface.

Sage Fox & Dorani hope that projects like this push audiences to think more critically about what they see and share.

“The purpose is not to tell people what to believe. It is to remind them that every image comes from somewhere, and that source matters,” they said.

Next Steps for Street Smart

As Street Smart’s platform grows, Sage Fox & Dorani plan to conduct similar experiments in different contexts. They intend to use their direct, street-level approach to highlight how people react when presented with challenging material.

The Gaza footage project is one piece of a larger mission. The team uses simple methods to shed light on complex issues. By focusing on authentic reactions, they continue to build a unique space in online media that blends cultural investigation with raw human response.

A Window into Unfiltered Thought

“We showed 20 strangers real propaganda footage from Gaza — and filmed their unfiltered reactions” is not a dramatic exposé or academic study. It is a clear, unmediated record of how individuals respond when confronted with material designed to persuade. In that restraint lies its strength.

By documenting these moments, Street Smart shows how awareness can begin with a pause. A brief space between seeing and believing.