1. Budgeting & Spending Habits

What percentage of your monthly income do you typically spend?

0% 50% 100%

Ideal: Spending less than 80% of your income

60%

How closely do you track your expenses?

Track every expense in detail (daily) Track most expenses (weekly) Track major expenses only (monthly) Rarely track expenses

2. Emergency Fund & Debt Management

How many months of living expenses do you have saved in your emergency fund?

0 months 6 months 12+ months

Recommended: 3-6 months of expenses

3 months

What is your total debt-to-income ratio?

Less than 20% (Excellent) 20-35% (Good) 36-50% (Fair) More than 50% (Needs Improvement)

Which types of debt do you currently have? (Select all that apply)

Mortgage Auto Loan Student Loan Credit Card Debt Personal Loan Medical Debt

3. Savings & Investment Health

What percentage of your income do you save or invest each month?

0% 15% 30%+

Recommended: Save at least 15-20% of income

15%

Do you contribute to retirement accounts?

Yes, maxing out contributions Yes, contributing regularly Yes, but minimal contributions No retirement savings

How would you describe your investment knowledge?

Advanced - I manage my own portfolio Intermediate - I understand basic concepts Beginner - Learning the basics Limited - Not familiar with investing

4. Insurance & Financial Protection

Which types of insurance do you have? (Select all that apply)

Health Insurance Auto Insurance Home/Renters Insurance Life Insurance Disability Insurance Umbrella Liability Insurance

Having appropriate insurance coverage is crucial for financial protection

Do you have important financial documents organized (will, power of attorney, etc.)?

Yes, all documents are current and organized Most documents are in order Some documents, but need updating No important documents prepared

5. Financial Goals & Planning

How would you describe your financial goal setting?

I have specific, written goals with timelines I have general goals in mind I have some ideas but no concrete plans I don't have specific financial goals

How often do you review and adjust your financial plan?

Quarterly or more often Annually Every few years Rarely or never

Financial Health Calculator

2025 Financial Health Assessment

1. Budgeting & Spending Habits

2. Emergency Fund & Debt Management

3. Savings & Investment Health

4. Insurance & Financial Protection

5. Financial Goals & Planning

Calculating Your Score...

How You Compare

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