My score seemed low compared to my view of our financial situation.  I am military retired with 2 social security pensions (mine & spouse), pluse two business pensions.  We obtain our health care thru the military along with Tricare for Life. We own our house which has a lot of equity (and I do not see that accounted for in your financial readiness score).  Our only siginificant debt is one automobile with a balance of $12,000 and one credit card with $2,000 balance.  Out of the 5 pensions we have, we generally pay off the credit cards each month and the balance takes care of mortgage, utilities, groceries, car payment, taxes, etc. and the rest available for us to enjoy our retirement. We do not see the need to pile up significant savings as we see it going to our heirs. Puzzeled????