Money, Explained From the Inside

Checkup / Inspired by Appendix A

The Financial Health Check

Eighteen questions, about five minutes. Answer for how things are today, not how you would like them to be. Nothing is stored or sent.

QUESTION 1 OF 18How well do you know what is left of your pay at the end of a typical month?
QUESTION 2 OF 18How much of your take-home pay is committed before the month begins?
QUESTION 3 OF 18Do you know your net worth, even roughly?
QUESTION 4 OF 18If your income stopped, how long could you cover essential costs from accessible savings?
QUESTION 5 OF 18A surprise bill arrives, about the size of a month’s essential costs. What happens?
QUESTION 6 OF 18How predictable is your income, and have you planned for that?
QUESTION 7 OF 18Do you carry a balance on a credit card or overdraft from month to month?
QUESTION 8 OF 18Could you tell someone the true yearly cost of your most expensive debt?
QUESTION 9 OF 18Before taking on credit, do you compare total cost, not just the monthly payment?
QUESTION 10 OF 18If something happened that would ruin you financially, is it insured against?
QUESTION 11 OF 18Do you pay for insurance for things you could comfortably absorb yourself?
QUESTION 12 OF 18When an offer is urgent, exclusive or guaranteed, what do you do?
QUESTION 13 OF 18Do you know what you pay each year in fees on your investments or pension?
QUESTION 14 OF 18Do you know what your investments actually own?
QUESTION 15 OF 18How do you react when your investments fall?
QUESTION 16 OF 18Are you investing in your earning power (skills, health, networks)?
QUESTION 17 OF 18Do you have an estimate of what you will need in retirement, and where it comes from?
QUESTION 18 OF 18If you have lived or worked in several countries, do you know where your pension rights sit?

An original self-check, inspired by Appendix A of the book. It is a conversation starter, not a rating or advice. Your answers stay in this browser.

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