I have saved enough to cover at least 3–6 months of my living expenses.

I make consistent progress on reducing my debt (credit cards, loans, mortgage).

I maintain the insurance I need (health, life, home, auto) to protect myself and my family.

I am able to adjust my budget to handle increases in the cost of living without relying on debt.

I have a written plan for my long-term financial goals (retirement, education, buying a home).

I check my credit score regularly and take steps to keep it healthy.

I consistently set aside money for savings or investments.

I actively seek out financial education or advice that I understand and apply.

I review my finances on a set schedule (monthly or quarterly).