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I pay off my credit cards every month.

I have no consumer debt.

I have a spending plan/budget.

I pay my bills on time.

I pay my taxes on time.

I live on less than I earn.

I routinely review and comparison shop my fixed expenses.

I am saving for other goals, like a car, house, or business.

I enjoy saving money for my goals

I rarely have an unexpected expense that I haven’t saved for.

I have 3-6 months of emergency funds in a savings account.

I have adequate life insurance (ten times your salary).

My risk of income loss from disability is covered.

I have adequate health insurance.

My risk of income loss from a negligent act is covered.

My risks to my property from lawsuits are covered.

I review and comparison shop my insurance periodically.

I have assessed my portfolio’s investment risk and it is appropriate for me.

My risk of outliving my income is covered.

Trusts, corporations, and LLC’s are in place to hold and protect my assets.

I don’t feel guilt or shame about my past financial behaviors.

I would be OK showing friends how I actually spend my money.

I am OK with others asking questions about my income.

I am OK with receiving money/gifts from others.

I am OK with situations involving my finances.

Financial issues do not confuse or depress me.

I have clear financial goals for the future.

I am/would be OK if my spouse/partner earned more than I.

I feel satisfied with how I interact with my family around money.

I am taking the steps necessary to reach my financial goals.

I am OK having or earning more money than others.

My financial behaviors are consistent with my values and goals.

I have looked at my financial past and understand how it is affecting my present relationship with money.

Financial issues do not confuse or depress me.

My partner and I don’t fight about money.

I am proud of my financial situation.

I feel confident when I think about money, retirement, and my financial future.

I rarely buy things in an attempt to make me feel better.

I treat every dollar the same, whether it’s from my salary or a gift.

. I understand the basics of investing and money.