This isn’t a test—it’s a check-in.
Answer Yes or No to each statement below. Be honest. No one’s grading you, but your future self will thank you for facing the facts.
✅ Check all that apply:
- I know exactly how much debt I have (to the dollar) and I’ve written it down.
- I’m spending less than I earn each month—and I can prove it with a budget or tracking method.
- I have at least $1,000 set aside in a separate emergency fund—not mixed in with checking.
- I haven’t used a credit card to “float” my expenses in the last 30 days.
- I have a specific plan to pay off my debt—and I’m following it.
- I’ve taken steps to increase my income (side hustle, overtime, selling stuff, etc.).
- I know my credit score and I’ve checked my credit report in the last 12 months.
- I’ve had an honest conversation (with a spouse, partner, or myself) about financial goals and values.
- I’ve canceled at least one subscription or auto-charge in the last 3 months that wasn’t serving me.
- I have a working budget and I actually use it.
📊 How’d You Do?
8–10 Yes answers: You’re standing on solid financial ground. Keep building!
4–7 Yes answers: You’ve got momentum—time to lock in and level up.
0–3 Yes answers: Don’t panic, but don’t wait. This is your wake-up call.
🎯 What’s Next?
The good news? You don’t need a finance degree or six-figure salary to change your life. You just need a plan, some grit, and a little help from someone who’s been there.
Let’s get started:
👉 Download the Debt-Free Checklist
👉 Start the Six-Week Turnaround