Steve Rupp introduces a self-assessment framework for evaluating one's relationship with money. He explains a scale from 1 to 10, where a score of 10 represents complete financial stability—having sufficient funds, minimal or no debt, and a strong sense of financial well-being. In contrast, a score of 1 signifies significant financial struggles, such as overwhelming debt and limited resources.

Rupp encourages individuals to consider their current financial habits and areas for improvement, such as building a savings account or reducing credit card debt. The assessment ties into a "wheel" metaphor, where a score of 1 is closer to the hub, and a score of 10 represents the outer edge, visually reflecting one's financial progress.