2026 Wealth Leak Diagnostic Quiz Are you optimising — or leaking? Find your Wealth Leak Score in 90 seconds 2026 Wealth Leak Diagnostic Quiz QuestionsGet results Question 1: The Efficiency Test. Roughly what percentage of your total net worth is currently sitting in “Lazy Capital” (Offset or Low-Interest Savings)? * A) Over 80%. I am “all in” on property/offset. B) 50% – 80%. I have some shares or Super, but the house is the main asset. C) Under 50%. I have significant active capital allocated to growth. Question 2: The “HISA Mirage” Test.Your bank app offers you a “Bonus Interest Rate” of 4.5% p.a. What is your immediate reaction? * A) “Great, that’s a safe, guaranteed return.” B) “It’s better than nothing, but I hate paying tax on it.” C) “That’s a real loss. After 37% tax and 3.3% inflation, I’m going backward.” Question 3: The Time Audit.How much time per week do you currently dedicate to actively managing your capital (excluding general admin)? * A) Zero. I don’t have time / It’s all automated in the offset. B) I watch the news constantly and check apps whenever I have a spare moment. C) I spend less than 3 hours a week executing a specific system. Question 4: The Stress Test.If the RBA raises the cash rate to 4.10% in 2026, increasing your mortgage repayments by ~$300/month, how does it impact your life? * A) It would be stressful. I’d have to cut back on my lifestyle significantly. B) It would be annoying, but manageable. C) It wouldn’t change my lifestyle. My capital yield outpaces my debt costs. Question 5: The Strategy Check.What is your primary goal for your surplus cash in 2026? * A) Pay down the mortgage as fast as possible to be debt-free. B) Wait for property prices to boom again. C) Generate a liquid yield that beats the RBA cash rate. If you are human, leave this field blank. Next