1.

Do you have an emergency reserve equal to at least 3 months of expenses?

(Count the following toward your reserve: all bank accounts and the value of marketable securities in a brokerage account. If you have a Home Equity Line of Credit, count 25% of the unused credit available.)

• Yes
• No

2.

Do you have a written budget that shows how much you spend in different categories, and how much you want to spend in those categories?

• Yes
• No

3.

Do you have a 401k plan at work with an employer match?

(If you are not sure, answer yes in this assessment, then ask your employer.)

• Yes
• No

3a.

Do you contribute the maximum amount that your employer will match?

• Yes
• No

4.

Have you calculated how much retirement income you will have at your current savings rate?

• Yes
• No

5.

Do you pay off your credit cards in full every month?

• Yes
• No

6.

Do you currently own your own home?

(Answer “yes” even if you own your home but have a mortgage.)

• Yes
• No

6a.

Do you want to buy a home within the next five years?

• Yes
• No

7.

Have you paid off all non-mortgage debt?

(Count credit cards, car loans, student loans, etc.)

• Yes
• No

8.

Do you contribute at least 6% of your income to your 401k or self-employed retirement plan?

• Yes
• No

9.

Do you save enough that you will be able to retire with no reduction in your standard of living?

(If you are not sure, answer no.)

• Yes
• No