Joe Stumpf  ·  Authority Architect
joes@byreferralonly.com All Domains
Authority Architect  ·  Domain 18 of 20

The Scorecards That Tell the Truth

How to diagnose where you actually are, what the evidence means, and what to do about it. Eight proprietary assessment tools that constitute the most comprehensive self-diagnostic system in real estate coaching: not because they are complicated, but because they are honest.
QuestionsQ173 – Q182
Domain FocusDiagnosis, Assessment, Consciousness, Development
Core TeachingBehavior is observable. It leaves evidence. It can be measured by what actually happened.
Q 173

What Is the Eight Mindsets Scorecard and Why Is It the Most Honest Diagnostic Tool in the Framework?

The Eight Mindsets Scorecard is a behavioral assessment tool that maps eight fundamental professional orientations across the four stages of Survival, Stability, Success, and Significance. It is the most honest diagnostic tool because it does not ask how you feel about your business. It asks what you actually do, what you actually believe, and how you actually behave in each of the eight dimensions. The gap between where you score yourself and where the evidence places you is itself diagnostic.

1
Willingly Engage in Deep Private Work

The most consequential developmental arc: from attributing problems to what others have done, through apologizing often, through changing to protect what was built, to taking full responsibility for everything showing up in your life. Nothing else changes until this one does.

2
Lovingly Lead with a Giving Hand

Reveals the transaction underneath the relationship. From believing everyone is a taker, through wearing the mask of a giver while operating as a taker, through feeling genuinely better when giving but sensing imbalance, to growing business by giving your unique gift and attracting other givers.

3
CARE-fully Create a Referable Experience

Maps the quality of attention brought to each client encounter, from reactive and transactional to genuinely present and care-driven. The progression from routine transactions to sacred service is visible in this dimension before it shows up in referral rates.

4
Courageously Commit to the Truth

The willingness to tell clients what they need to hear rather than what they want to hear. At Survival, truth is avoided because it risks the transaction. At Significance, truth is the foundation of every transaction and the source of lasting referability.

5
Constantly Seek Better Ways to Say It

Voice development as a professional discipline. From using borrowed scripts, through adapting them to personal style, through developing genuine authority of expression, to teaching others to find their own authentic voice.

6
Systematically Structure Time for Everything

Time architecture as a developmental indicator. From urgency-driven reactivity to fully sovereign structure. The progression through this mindset mirrors the progression through the stages: each stage demands a higher quality of time consciousness.

7
Cultivate a Culture of Expanding Capabilities

The shift from individual achievement to systemic growth. From solo practitioner protecting market position, through building team capacity, to creating the culture in which others develop capabilities they would not have developed alone.

8
Selflessly Shift from Salesperson to Super Servant

Perhaps the most revealing dimension. At Survival, concerned with status and fatigued, self-care absent. At Stability, led by plaques and trophies. At Success, Super Servant is who they really are but feels risky to be authentic about. At Significance, stopped promoting their persona and started giving away their character.

The correct use of this scorecard: for each mindset, read the Survival description first. Ask: is any part of this still true for me? Do not move to the next level until you can genuinely say the current level's description no longer applies. The level where you pause, where you feel the slight resistance of recognition, is almost always your actual stage on that dimension.
Q 174

What Is the Five Skills Assessment and How Does Each Skill Develop from Survival Through Significance?

The Five Skills are the internal capacities that determine what a practitioner can sustain, not just what they can achieve. Achievement is possible at every stage. Sustainability requires these five skills developed to a level that matches the demands of the stage the practitioner is operating from. A Success-level practice run on Survival-level Self-Esteem will collapse.

Skill
Survival
Stability
Success
Significance
Self-Esteem
Weak and dropping. Outer world entirely in charge of inner state. Sees people as sources of disapproval.
Tolerates happiness without self-sabotage. Moves from episode to episode. Uses self-reflection to notice patterns.
Shift from outcome-dependent to process-dependent. Business grows when they raise the self-esteem of teammates.
Practiced as full-time consciousness. One-percent-more-conscious questions asked daily as ongoing discipline.
Self-Discipline
Experienced as punishment. No pause button. Stimulus-response pattern. Fast pass to self-sabotage.
The pause arrives. Moving out of feeling and into thinking. Fear-based motivation but delayed gratification begun.
Fully behavioral. Takes responsibility for organizing environment in service of declared purpose. Behavior creates the feeling.
A wildly important vision requires moment-to-moment best level. One-percent question has become a daily practice.
Self-Humility
Ego defended and self-centered. Being wrong feels dangerous. System defends against it automatically.
Learning to accept: "I honor your perspective, and I do not know if I agree." Willingness to not know begins.
Holds opinions loosely. Willing to shift when in presence of more informed view. Okay not needing to be right.
Does not feel superior because of status or power. Owns mistakes with ease. Finds genuine joy when others succeed.
Self-Fortitude
Challenges appear insurmountable. Does just enough to get by. Creatively wiggles out rather than confronting.
Responds to adversity with practical willingness. No longer easily disheartened but may still procrastinate.
Like a forest ranger who smells a fire before it's out of control. Uses fortitude proactively rather than reactively.
Never forgets what they saw in the light when in the dark. Jackie Robinson-like: carrying a vision larger than any challenge.
Self-Talk
Focused on what they do not want. Goals defined by avoidance. Inner dialogue organized around fear.
Begins morning pages or journaling. Develops awareness of negative thoughts and their role in undermining everything else.
Embraces self-acceptance self-talk. Inner world changes outer world. No longer relies on external praise to create self-worth.
"I love the thought that who I am in this moment is complete and whole." Brings happiness rather than waiting for circumstances to produce it.
Q 175

What Is the Principles and Mindsets for Making Money Scorecard and Why Does Financial Consciousness Map Onto the Five Stages?

The Principles and Mindsets for Making Money scorecard makes visible something most coaching programs treat as separate from inner development: the practitioner's relationship with money itself. The premise is that financial results are not primarily a function of market conditions, marketing strategy, or transaction volume. They are a function of the consciousness from which the practitioner relates to money.

Survival Money Consciousness

Organized entirely around scarcity and urgency. If they do not get money now, they will go deeper into debt. They do not have a relationship with money: they have an emergency relationship with it. Resentful and jealous of people who have money, which creates the psychological phenomenon of simultaneously wanting what they resent, making it psychologically impossible to attract.

Stability Money Consciousness

Becomes grateful and responsible for the trust others place in them. Begins studying the lives of people who have successful relationships with money. Develops two or three friendships with financially successful people. Resolves to create financial independence through learning and acting with respect for themselves and for money. Hope becomes possible in a way it was not at Survival.

Success Money Consciousness

Money becomes a priority. Experiences fullest potential and creates passive income channels. Embraces financial responsibility and makes money a favorite conversation rather than an avoided one. Has grown ten percent a year and is on course to double income in five years. Uses their own philosophy to chart the financial course: a critical thinker about money rather than a reactive responder to financial conditions.

Significance Money Consciousness

Lives what the framework calls a ten-times lifestyle, in which the world is a reflection of all the good that money can do. Knows that prosperity is a reflection of belief. Is future-obsessed and absent of pettiness and drama around money. Does not care how much anyone else is making. Is no longer impressed by gross revenue numbers.

Financial health and self-love are not separate phenomena. They are expressions of the same inner condition. The deepest principle of the scorecard is contained in the Significance-level description: they love themselves, and that self-love reflects itself in their financial structure.
Q 176

What Is the Top 150 Tribe Scorecard and What Does It Reveal About Where a Practitioner Actually Stands?

The Top 150 Tribe Scorecard assesses eight dimensions of the practitioner's relationship with the foundational unit of a referral-based practice: the curated community of one hundred and fifty people who each refer one person per year who buys, sells, or borrows.

The Most Important Dimension: Mindset

At Survival, the practitioner will work with anyone, anytime, anywhere and genuinely does not want the responsibility of leading a Tribe. At Stability, their gut tells them their beliefs may be outdated but being a tribal leader feels foreign. At Success, they see themselves as a leader and know they need to evolve. At Significance, they have made the decision: I am the Tribal Leader of one hundred and fifty people, each of whom refers one person a year that buys, sells, or borrows with me. The difference between Success-level and Significance-level on this dimension is not a business strategy. It is an identity claim.

The Twenty-Five Year Vision Dimension

Reveals one of the most consequential distinctions in the framework: the difference between practitioners whose planning horizon is twelve months and those whose horizon is twenty-five years. At Success, annual income goal has been the key performance measurement, meaning the entire planning horizon is the current year. At Significance, they focus only on progress, measuring the gap between where they are and how far they have come, operating from a vision that makes quarterly fluctuations irrelevant.

The Coach Dimension

Perhaps the most revealing indicator of stage. At Survival, the idea of coaching local businesses is considered ridiculous. At Stability, focus remains on traditional agent or lender training. At Success, they know business people they could help but have not yet embraced the role of entrepreneur. At Significance, they know so much about building a referral-based business that they feel compelled to coach and teach others. This compulsion is not ambition. It is the natural outgrowth of having internalized a system deeply enough that sharing it becomes inevitable.

Q 177

What Is the Self-Directed Team Scorecard and How Does It Diagnose the Leadership Ceiling a Practitioner Has Built?

The Self-Directed Team Scorecard is a leadership diagnostic rather than a staffing assessment. The question it answers is not how many people do you have working for you, but what is the quality of leadership consciousness from which you are building your team, and what is the ceiling that consciousness is creating.

Dimension
Survival
Stability
Success
Significance
Owner of Ideas
Lone wolf. Everyone doing everything. No one can do the job better. Focus on results, not relationships. Churn and burn.
Likes being in charge, loves being in control. Attracts helpers needing constant supervision.
Knows they are in a process of growth. Beginning to hire for trustworthiness rather than lowest cost.
Done the deep work to become capable of attracting the perfect implementation leader.
Culture Builder
No team culture. Culture is defined by the practitioner's current anxiety level.
Micro-manages because they genuinely believe no one else can do it as well. Trust is the real issue.
Realizing they operate more like a practitioner than an entrepreneur. Can see the potential not yet developed.
A players attracted because culture is strong enough to attract people who want to be part of something larger than a job.
The team a practitioner builds is a reflection of who they have become, not a collection of people they have hired. A practitioner who reaches this insight is ready to begin hiring for trustworthiness rather than lowest cost, and the team that follows will be qualitatively different from every team they have built before.
Q 178

What Is the Eight Forms of Capital Framework and How Does It Expand the Definition of Wealth?

The Eight Forms of Capital framework expands the definition of wealth from financial accumulation to include eight distinct dimensions. The foundational premise: practitioners who optimize only for financial capital consistently find themselves rich in one dimension and impoverished in seven others.

Financial
Passive income exceeds expenses; philanthropic
At Survival: unpredictable income, most going to debts. The capital most tracked and least sufficient on its own.
Living
Fully fit; inspires others through example
The most aggressively neglected by high performers. At Survival: unfit, unhealthy, 100% dependent on store-sourced food.
Knowledge
Mentor: distributing expertise
Novice through apprentice through master through mentor. The most important transition: master to mentor requires the same giving-away consciousness as Significance.
Social
Leading tribes; architect of community
At Significance: not a node in a network but an architect of community. Creating conditions in which others form meaningful relationships with each other.
Emotional / Spiritual
Integrated; source of meaning for others
The inner infrastructure that makes sustained outer excellence possible. Cannot be purchased and cannot be neglected without consequence.
Cultural
Shaping the culture others inhabit
The practitioner's relationship with the broader community: from consumer of culture to contributor to creator of the conditions in which culture forms.
Material
Possessions in service of purpose
The relationship between possessions and purpose. At Survival: material goods as status signals. At Significance: material resources as tools in service of a vision larger than the practitioner.
Time
Time tithing; attention as deliberate investment
The most misunderstood dimension. At Significance: time tithing, giving a portion of time as generously as income. The practitioner's most valuable asset is attention, not money.
The gap between where most Success-level real estate professionals score on Financial Capital and where they score on Living Capital is one of the most consistent patterns in the assessment, and one of the most consequential for long-term sustainability. A practitioner building a high-performance career on a deteriorating physical foundation is not building wealth. They are building a deficit with impressive numbers attached to it.
Q 179

What Is the Seven F Wheel and How Does It Function as a Whole-Life Diagnostic?

The Seven F Wheel assesses seven dimensions of life on a scale of one through twelve across the four stages. It functions as a whole-life diagnostic because it makes visible, in a single image, the shape of a practitioner's life rather than a single dimension of it. The shape matters. A life that scores twelve in Finances and three in Faith, two in Family, and one in Fun is not a successful life. It is a financially successful fragment of a life.

Faith

The practitioner's relationship with purpose, meaning, and the dimensions of life that cannot be measured by production metrics.

Family

The quality of the practitioner's most intimate relationships: the domain most commonly depleted to fund professional performance.

Finances

The dimension most tracked and most celebrated. Its prominence in the wheel is proportional to its actual importance: one of seven, not the measure of all seven.

Fitness

Physical health, vitality, and the body's capacity to sustain the demands the practitioner places on it. At Survival: body is an afterthought. At Significance: body is infrastructure.

Friends

The breadth and depth of meaningful non-professional relationships. The practitioner at Significance has invested as deliberately in friendship as in business development.

Fun

Consistently the lowest-scoring dimension among high-performing practitioners. Its absence is not a luxury sacrifice. It is an early indicator of depletion.

Future

The length of the planning horizon from which current decisions are made. At Survival: this week. At Stability: this year. At Significance: twenty-five years. One of the most reliable indicators of actual stage.

A wheel that is roughly circular rolls smoothly. A wheel dramatically uneven creates friction even when the high-scoring dimensions are impressive.

Why the Wheel Opens the Summit

The Seven F Wheel is used in the Business Planning Summit as the opening diagnostic, the first honest accounting of where the practitioner stands before any targets, intentions, goals, or commitments are set. You cannot set meaningful targets for a life you have not honestly assessed. And you cannot honestly assess a life you have reduced to its financial performance. The Wheel insists on the whole picture before any part of it is planned.

Q 180

What Is the One Percent Consciousness Methodology and Why Is It the Most Practical Tool for Moving Between Stages?

The Core Question
If I were to bring one percent more consciousness to this area of my life today, I would…
Applied to any dimension of growth. The methodology works because it makes the impossible possible. Most practitioners respond to a developmental gap by trying to close it completely, committing to a dramatic transformation the nervous system immediately resists. One percent is different. One percent is always possible. One percent does not trigger the resistance mechanisms that protect the current stage from unwanted disruption.
Why the Methodology Is Neurological, Not Motivational

Small, consistent movements in the direction of the next stage produce the accumulated evidence of competence that makes genuine stage transition possible. The stage transition happens not in the moment of the dramatic commitment but in the accumulation of ten-day challenges, each one one percent better than the one before. No practitioner moves from Survival to Stability in a single conversation, a single retreat, or a single epiphany. They move through the accumulation of small, honest, consistent choices made in the direction of the next stage.

The Ten-Day Challenge

Each of the Five Skills assessments concludes with a Ten-Day Challenge: ten consecutive days of bringing one percent more consciousness to a single skill, with specific daily answers to the question. The challenge is not demanding in terms of time or effort. It is demanding in terms of honesty and consistency. Ten days of genuinely asking what one percent more self-discipline looks like today and then acting on the answer produces a discernible shift in the practitioner's relationship with that skill. Not a transformation. A shift. A small, verifiable change in the inner operating system that serves as the foundation for the next ten-day challenge.

The One Percent Consciousness methodology is the daily practice of making developmental choices with awareness rather than by accident. It is what turns the scorecards from diagnostic photographs into developmental roadmaps: not by prescribing the destination but by identifying the very next step in the direction of it.
Q 181

How Do All the Scorecards Work Together as a Unified Diagnostic System?

The scorecards are not independent instruments. They are different lenses on the same underlying reality: the practitioner's current stage of consciousness and the specific developmental gaps limiting their next level of growth. When all assessments are administered together, they produce a composite portrait that is more accurate and more useful than any single assessment could generate.

1
Eight Mindsets
Eight dimensions of professional orientation from Deep Private Work to Super Servant. The behavioral portrait of who the practitioner is in their work.
2
Five Skills
Self-Esteem, Self-Discipline, Self-Humility, Self-Fortitude, Self-Talk. The internal capacities determining what can be sustained over time.
3
Money Mindsets
Ten dimensions of financial consciousness. The operating system underneath the production numbers, revealing what is producing them and what limits them.
4
Top 150 Tribe
Eight dimensions of readiness to build and lead the foundational unit of a referral-based practice. Identity claim or exploration?
5
Self-Directed Team
Six dimensions of leadership consciousness and the ceiling it is creating. The team built is always a reflection of who the practitioner has become.
6
Eight Capitals
Financial, Living, Knowledge, Social, Emotional/Spiritual, Cultural, Material, and Time. The complete portrait of whether genuine wealth is being built or accumulated on a depleting foundation.
7
Seven F Wheel
Faith, Family, Finances, Fitness, Friends, Fun, Future. The shape of the practitioner's life in a single image. Opens every Business Planning Summit.
8
One Percent Consciousness
The practical bridge between diagnostic awareness and developmental action. Converts every scorecard from a photograph into a roadmap.

The Composite Portrait

Gap Pattern: Generosity Without Financial Sophistication

Scores at Significance on Giving Hand Mindset but at Survival on Financial Consciousness. Has developed the generosity but not yet the financial structure to sustain it. The giving will eventually become depleting rather than compounding.

Gap Pattern: Database Without Team Capacity

Scores at Success on the Top 150 Tribe scorecard but at Stability on the Self-Directed Team scorecard. Has built the database but not the team to service it effectively. Growth is limited not by opportunity but by leadership ceiling.

Gap Pattern: High-Performance Career on Deteriorating Foundation

Scores at Success across most dimensions but at Survival on Living Capital. Building an impressive career on a physical and emotional infrastructure that is quietly eroding. The cost will manifest as something they will call a health crisis, a relationship crisis, or a motivation crisis. It is actually a wholeness crisis.

Q 182

What Does a Practitioner Who Has Worked Through All the Scorecards Honestly Look Like in Practice?

The practitioner who has worked through all the scorecards honestly has had an experience that is rare in professional development: they have been told the truth about themselves by themselves. Not by a coach. Not by a market result. Not by a production ranking. By their own honest engagement with a framework precise enough to make self-deception difficult.

First Change: Release of False Urgency

At Survival, everything feels equally urgent because the threat is experienced as total. When the scorecard reveals that the practitioner is at Stability or Success on most dimensions, the nervous system begins to recalibrate. The urgency does not disappear, but it becomes selective. The practitioner can begin to choose where their energy goes rather than having that choice made for them by whichever anxiety is loudest.

Second Change: Ability to Ask the Right Question

Before honest diagnosis, the question is usually some version of: why is this not working? After honest diagnosis, the question becomes: which of these specific gaps is most limiting my next level of growth, and what is the one-percent step I can take today toward closing it? The first question generates anxiety. The second question generates action. The difference between a practitioner who is stuck and one who is moving is often not capability or effort. It is the quality of the question they are asking about their situation.

Third Change: Stabilization of Identity

The practitioner who has been honestly diagnosed knows who they are at a level of specificity that the practitioner who has only been encouraged does not possess. They know their actual stage. They know their genuine strengths. They know their real developmental priorities. This self-knowledge is stabilizing in a way that praise and encouragement cannot be, because it is grounded in evidence rather than in another person's generosity.

It produces the kind of confidence that does not require external validation to sustain: the quiet, grounded knowing of someone who has looked at themselves honestly and decided to keep going anyway. That decision, made with full information, is the beginning of every genuine stage transition the framework has ever produced.