11 A S S E S S I N G T H E WE I G H T Y OU A R E C A R R Y I N G MONEY & FINANCES WEIGHT: Low 0 to High 5 0 1 2 3 4 5 I do not worry about money. 0 1 2 3 4 5 I use credit cards wisely. 0 1 2 3 4 5 I know what I owe (outstanding bills, mortgage, car loan, student loans, etc.) 0 1 2 3 4 5 I have an adequate financial reserve. 0 1 2 3 4 5 Money does not control me. 0 1 2 3 4 5 Money is usually only one of the factors I consider when making a decision versus being the only factor. 0 1 2 3 4 5 I have no money skeletons in the closet. 0 1 2 3 4 5 I make good buying decisions and don’t buy things impulsively. 0 1 2 3 4 5 My beliefs and attitudes about money are my own and not someone else’s (parents or other early role models or influences). 0 1 2 3 4 5 I have a good savings plan in place and stick to it no matter what. 0 1 2 3 4 5 I have a good retirement plan in place and know how much I need to be saving now to have the lifestyle and safety I want when I retire. 0 1 2 3 4 5 I pay my bills on time. 0 1 2 3 4 5 My taxes are all paid and up to date and I have good tax records. 0 1 2 3 4 5 I have access to and am using the proper financial advisors. 0 1 2 3 4 5 I don’t feel embarrassed or shameful about money. 0 1 2 3 4 5 I live well within my means. 0 1 2 3 4 5 All my legal money matters are in place and up to date (wills, pending legal issues, child support, etc.) 0 1 2 3 4 5 I am on a career track that will bring me the financial life I want without compromising what is most important to me (i.e. family, friends etc.). 0 1 2 3 4 5 I have the proper training, certifications, degrees, etc. to keep me in the highest earning caliber of my career choice. 0 1 2 3 4 5 I do not obsess or worry about my investments. 0 1 2 3 4 5 I am well protected (insured) in all areas of my life (medical, dental, home, car, business). 0 1 2 3 4 5 I am aware of what is coming in and what is going out in my personal finances (and business if applicable ). 0 1 2 3 4 5 0 1 2 3 4 5 0 1 2 3 4 5 TOTAL LOAD
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