Financial Wellness Check

Quick 20-Question Yes/No Financial Health Quiz

Answer these 20 simple questions with YES or NO. Your score will show you how financially healthy you are right now and what to do next.

How it works:
Each positive “YES” earns points toward your score.
1. Do you have an emergency fund with at least 3 months of living expenses?
2. Do you track your spending with a budget, app, or spreadsheet at least once a month?
3. Do you save or invest at least 10% of your income every month?
4. Are you free from high-interest credit card debt (or paying it off aggressively)?
5. Do you consistently pay all your bills on time every month?
6. Do you have a written list of your short-term and long-term financial goals?
7. Do you know your exact total debt (credit cards, loans, etc.) and have a clear payoff plan?
8. Are you actively contributing to a retirement account (401(k), IRA, etc.) every year?
9. Do you regularly review your bank statements and transactions for errors or unnecessary charges?
10. Do you feel confident that you could cover a sudden $1,000 expense without stress?
11. Do you avoid using debt to fund your lifestyle (shopping, vacations, dining out, etc.)?
12. Do you have insurance coverage in key areas (health, auto, home/renters, life if needed)?
13. Do you regularly set aside money for big future expenses (taxes, car repairs, home projects, etc.)?
14. Is your credit score in a healthy range (or improving) and do you monitor it at least once a year?
15. Do you have multiple streams of income or a plan to create extra income (side hustle, passive income, etc.)?
16. Do you and your family talk openly about money, goals, and financial decisions?
17. Do you believe your current spending habits reflect your true values and priorities in life?
18. Do you have a will or basic estate plan (or are you actively working on one)?
19. Do you regularly invest in your own financial education (books, courses, coaching, etc.)?
20. Overall, do you feel calm and in control when you think about your money and future?

Your Financial Wellness Result

This Financial Wellness Check is for educational purposes only and is not financial advice. Please speak with a qualified professional for personalized guidance.