Directions: Choose the best answer for each question. Answer only the Bonus Questions that apply to you.

I have a financial record-keeping system in place at home to track income and expenses.
True False

I have a household spending plan or budget and use it.
True False

I regularly reconcile my checks and ATM withdrawals.
True False

I pay my bills on time.
True False

I compare offers from credit card companies before applying for credit.
True False

I pay more than the minimum on my credit card bill each month.
True False Not applicable / I do not have any credit cards.

I have requested and reviewed a copy of my credit report from at least one credit-reporting agency.
True False

I have identified immediate and long-term savings goals.
True False

I save money regularly.
True False

I have an emergency fund that covers three to six months of my living expenses.
True False

I put my money in low-risk savings products such as savings accounts, money market accounts, or certificates of deposit (CDs).
True False

I shop for the best interest rates for my savings vehicles.
True False

I review my annual Social Security statement from the Social Security Administration.
True False

I have calculated how much money I will need to retire comfortably.
True False

I am vested in an employer-funded pension plan.
True False Not applicable / I am not eligible for an employer pension plan.

I contribute regularly to an employer-sponsored retirement savings plan, such as a 401(k).
True False Not applicable / I am not eligible for an employer retirement savings plan.

I save money in a tax-advantaged Individual Retirement Account (IRA).
True False Not applicable / I am not eligible for an IRA.

I put my money in different types of investments to boost returns and reduce risk.
True False

I have a mutual fund.
True False

I don't dip into my retirement savings to cover other expenses.
True False

I have searched to find the lowest interest rates and fees on a home mortgage.
True False Not applicable / I do not own a home.

I have a will.
True False

I have adequate disability insurance.
True False

I have adequate life insurance.
True False Not applicable / I do not have dependents.

I have adequate health insurance.
True False

I have explored the pros and cons of long-term care insurance.
True False

I educate myself about financial issues.
True False

BONUS
I pay my credit card balances off in full each month.
True False

BONUS
I calculated how much money I will need for retirement, AND I adjust my savings plan as needed to ensure that I have the best chance of reaching my retirement savings goals.
True False

BONUS
I own my home outright (I either paid the full purchase price of my home without taking out a loan, or I have fully paid off my home loan).
True False

BONUS
I have a no-load mutual fund, a fund that does not charge me a transaction fee when I buy or redeem shares.
True False