2. Do you have at least $3,000 or three months of living expenses saved up to cover emergencies?
Yes No

3. Are you participating in your company's 401(k) or pension program?
Yes No

4. Do you save or invest beyond your retirement plan and emergency fund?
Yes No

5. Are you aware of how much you need to save each month to retire at the age you would like?
Yes No

6. Do you have life insurance (at least enough to cover funeral expenses)?
Yes No

7. Do you have health insurance?
Yes No

8. Do you have insurance that covers disability (besides Social Security)?
Yes No

9. Do you have a will?
Yes No

10. Do you spend less than 25 percent of your income on your rent or mortgage?
Yes No

11. Are you investing or saving money with each paycheck in a savings account, money market account or mutual fund?
Yes No

12. Are you paying your credit cards in full each month?
Yes No

13. Are you paying all of your bills in full each month?
Yes No

14. Do you know the interest rates on your checking, savings and credit card accounts?
Yes No

15. Have you reviewed your credit report lately?
Yes No

16. Do you balance your checkbook each month?
Yes No

17. Do you track your monthly expenses?
Yes No

18. Do you regularly read about improving your personal finances?
Yes No

19. Do you have a financial plan?
Yes No

20. Are you saving at least 10 percent of your gross income each month?
Yes No