1. Do you have an emergency fund with at least 3-6 months of expenses?

Yes
No

2. Do you save at least 20% of your income?

Yes
No

3. Is your debt-to-income ratio below 36%?

Yes
No

4. Do you have a retirement plan in place?

Yes
No

5. Do you have insurance to protect against major risks?

Yes
No

6. Do you track and stick to a monthly budget?

Yes
No