I have a working budget, and track my income and spending every month.

True / False

I have 6 months' worth of Essential Expenses set aside in an emergency fund.

True / False

I am setting aside money right now for my next big purchase.

True / False

My budget includes a maintenance category for my home, which is at least 3% of the value of my home.

True / False

I have a will and powers of attorney set up.

True / False

I never carry a balance on my credit card.

True / False

My housing costs are no more than 35% of my net income.

True / False

I have reviewed my insurance coverage in the past year, and I'm well covered.

True / False

I do not have a balance outstanding on my line of credit.

True / False

I never buy anything that isn't on my shopping list.

True / False

I've reviewed my credit report in the past year and corrected any mistakes.

True / False

I know the "Rule of 72."

True / False

I have no department store credit cards.

True / False

I do not use overdraft protection, ever.

True / False

If I want to go on vacation, I save up money before I go.

True / False

My financial situation is better today than it was 1 year ago.

True / False

When I think about my ability to meet a future financial obligation (like a major purchase, or paying for my child's education), I am completely at ease.

True / False

Money is not a source of conflict in my life.

True / False

I do not buy anything (coffee, magazines, cigarettes) out of habit. I am conscious about my spending.

True / False

I never wake up worried about money.

True / False