Financial Health Checkup

A periodic audit of your income, expenses, savings, debt, and investments — your annual diagnostic for financial fitness.

21 action items~25 min to complete5 sections

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Income & Expenses

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Calculate your savings rate: (Income − Expenses) ÷ IncomeKey

Review whether income has grown faster than expenses over the past yearWatch out

Identify any subscription or recurring expense added since last reviewAction

Check if housing costs exceed 28% of gross monthly incomeWatch out

Review transportation costs as a percent of income

🏦

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Verify emergency fund covers 3–6 months of essential expensesKey

Confirm emergency fund is in a liquid HYSA — not investedWatch out

Check that your savings rate aligns with your timeline to each financial goal

Review any savings accounts earning below 4% and consider moving to a HYSAAction

📉

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List all debts with current balance, interest rate, and minimum paymentKey

Flag any debt above 7% interest as a priority payoff targetWatch out

Check your total debt-to-income ratio (monthly debt payments ÷ gross monthly income)Key

Verify you have not taken on any new high-interest debt since last review

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Confirm you're contributing enough to capture the full employer 401(k) matchKey

Check that your asset allocation aligns with your age and risk toleranceAction

Review investment account fees — expense ratios and advisor feesWatch out

Confirm beneficiaries are up-to-date on all retirement accounts and life insuranceKey

🛡️

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Verify adequate life insurance coverage if anyone depends on your income

Confirm disability insurance covers at least 60% of your incomeKey

Review auto and home/renters insurance coverage limits

Check whether you have an estate planning document in place (will, POA)Action