Results from a new tool developed by UK based firm, Lean Marketing, confirm a worrying trend.

When it comes to making money, most of us simply don't have a clue.

The Wealth Audit asks 10 simple questions to help you ascertain your financial position and provides instant tips for improving things.

Since launching the tool on 29th July the response has been tremendous.

Out of a total score of 100 the average is just 46.9 which suggests people still need to do quite a lot to be truly free.

The Survey Suggests:

* Almost 90% of Respondents Will Be In Trouble When It Comes To Retirement If They Don't Dramatically Change Their Earning, Spending & Saving Habits.

* 85.6% of Responses By Women Over 40 Indicate That Debt & Lack of Investments Make Them A Slave To Their Job Or Business

* Women Seem To Be More Interested In Sorting Out The Problem Than Men However, With 61.5% Of People Taking The Test Being Female

* Of the People Completing The Survey Almost All Are In A Position Where Without Earnings From Their Job They'd Lose Everything They Own

After almost a decade running her own business Lean Marketing boss, Debbie Jenkins has been searching for the key to being able to spend her own time as she wishes.

Debbie says, "I'm convinced it boils down to sorting out your money and so I developed this simple tool called The Wealth Audit to help people understand where they are now and where they're heading with more clarity."

"The test isn't about how much you earn, but how well you use your money to provide an income. Freedom comes when you can live the life you want and pay your way even if you decided not to work."

The Wealth Audit, while bringing the problem to light only supports what's already happening.

10 Million people in the UK aren't saving enough money for their retirement.

In fact 80% of these 10 million aren't saving anything at all!

There's a pensions crisis looming and the advice we get from experts is mixed and often confusing.

So the only constant we can be sure of is that if we don't take care of our own wealth now our future isn't going to be too bright.

The Wealth Audit is a Free tool and nobody gets to see the answers but you. See how you compare at http://www.wealthaudit.com

"Dangerous" Debbie Jenkins is a marketer, author and stand-up comedian who helps the owners of small expert businesses get more success by doing and spending less. http://www.debbiejenkins.com