1. 4 Minute Financial Check-up that could increase your wealth! Check Your Financial Fitness

2. 4 Minute Financial Check-up that could increase your wealth! Our family has and uses a spending plan (budget) 1 point

3. 4 Minute Financial Check-up that could increase your wealth! We have a savings plan (emergency fund) that we contribute to regularly. 1 point

4. 4 Minute Financial Check-up that could increase your wealth! We perform monthly checking account reconciliation 1 point

5. 4 Minute Financial Check-up that could increase your wealth! Annually we compare banking services by comparison shopping 1 point

6. 4 Minute Financial Check-up that could increase your wealth! We check our credit histories with each of the 3 major credit bureaus annually 1 point

7. 4 Minute Financial Check-up that could increase your wealth! We closed credit card accounts we haven’t used in the past year 1 point

8. 4 Minute Financial Check-up that could increase your wealth! We take steps to eliminate junk mail, unsolicited credit card offers and telemarketing calls 1 point

9. 4 Minute Financial Check-up that could increase your wealth! We pay off our credit card debt monthly 1 point

10. 4 Minute Financial Check-up that could increase your wealth! We continually look for the best APR (Annual Percentage Rate) for future credit purchases 1 point

11. 4 Minute Financial Check-up that could increase your wealth! Our credit debt (except mortgage) is 15% or less of our monthly take-home pay 1 point

12. 4 Minute Financial Check-up that could increase your wealth! We keep an updated inventory of personal property (written or videotaped 1 point

13. 4 Minute Financial Check-up that could increase your wealth! We annually develop a net worth statement to determine our progress toward financial goals 1 point

14. 4 Minute Financial Check-up that could increase your wealth! We have wills that have been written/updated within the past 5 years 1 point

15. 4 Minute Financial Check-up that could increase your wealth! We have updated living wills 1 point

16. 4 Minute Financial Check-up that could increase your wealth! We have a durable general power of attorney 1 point

17. 4 Minute Financial Check-up that could increase your wealth! We have a medical power of attorney 1 point

18. 4 Minute Financial Check-up that could increase your wealth! We collect and store important papers in a safe place 1 point

19. 4 Minute Financial Check-up that could increase your wealth! We review our annual Social Security Earnings and Benefits statement for accuracy and use it in planning for our golden years 1 point

20. 4 Minute Financial Check-up that could increase your wealth! We set short term and long term financial goals and develop plans to achieve them. 1 point

21. 4 Minute Financial Check-up that could increase your wealth! We receive less than $1,000 in Federal Income Tax refunds 1 point

22. 4 Minute Financial Check-up that could increase your wealth! We avoid using rapid refund (refund anticipation loans) to receive our tax refund 1 point

23. 4 Minute Financial Check-up that could increase your wealth! We participate in our company retirement plans at least to the maximum level that the company will match 1 point

24. 4 Minute Financial Check-up that could increase your wealth! We have read and understand how our company retirement plans operate. 1 point

25. 4 Minute Financial Check-up that could increase your wealth! We apply for the Earned Income Tax Credit if we are eligible 1 point

26. 4 Minute Financial Check-up that could increase your wealth! We invest to achieve financial goals 1 point

27. 4 Minute Financial Check-up that could increase your wealth! We review and update our personal property insurance to make sure we have adequate coverage 1 point

28. 4 Minute Financial Check-up that could increase your wealth! We review and update our liability insurance annually 1 point

29. 4 Minute Financial Check-up that could increase your wealth! We review and update our life insurance every few years 1 point

30. 4 Minute Financial Check-up that could increase your wealth! SCORING Less than 12 – check your pulse – your financial health is slowly fading 12-14 – a slow start but you can catch up 15-17 Your finances are the equivalent of the fitness status of a couch potato 18-21 You need to increase the intensity of your workouts to achieve financial fitness 22 and over – Congratulations you appear to be financially fit!