The 40+ Survival Index (FSI): Score yourself 1–10 across four reserves
40+ is a Tricky Period
Kids are growing.
Parents are ageing.
EMIs don’t wait.
Jobs feel unstable.
And the older you get, the harsher the system judges you.
– Too expensive to be “safe.”
– Too senior to be “agile.”
– Too young to retire.
Stability at 40+? It’s a myth.
What you really have is exposure.
The 40+ Survival Index (FSI)
Score yourself 1–10 across four reserves:
1. Cash Liquidity
Months you can survive without income.
< 8 months = danger zone.
2. Career Relevance
One monetizable skill added in the last 2 years?
If not, your career is software without updates.
3. Social Capital
5 people you can call today who’ll open doors?
Likes ≠ network.
4. Health Reserves
Can your body and mind handle a high-stress transition?
Burnout = silent fragility.
Add it up (Max = 40).
- < 25 → Fragile. Exposed.
- 25–30 → Stretched. Vulnerable.
- 30+ → Resilient. Ready.
The Edge at 40+
Titles don’t save you. Companies don’t protect you.
Reserves do.
- Cash buys time.
- Skills buy relevance.
- Network buys opportunity.
- Health buys longevity.
How to Build Your Reserves
Measurable. Practical. Sustainable.
At IntuiWell’s Personal Growth Program, we have built playbooks that turn fragility into strength:
- Cash → The Ladder + Bucket Strategy to create a rolling 12-month safety net.
- Career → A 180-day Skills Roadmap to add one monetizable skill.
- Network → The 5×5 Activation Framework to grow 5 deep allies across 5 domains.
- Health → The 9 AM Edge Protocol to reset energy, stress, and focus before the day hijacks you.
At 40+, the goal isn’t climbing higher.
It’s building a life portfolio that can’t collapse overnight.
What’s your FSI score today?
And which reserve will you strengthen first?