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Financial Health Test

To test yourself, all you need to do is read through the questions, and click on true or false.

If you are unfamiliar with the terms in a particular question, answer false.
When you reach the end of the test, click on the Get Test Results button to find out where you stand.

I know the current value of my home, including the size of the mortgage and the amount of equity I've built.
| False

I know the length of the mortgage-payment schedule and how much extra it would cost each month to pay down the mortgage in half the time. I also know the interest rate we are paying on the mortgage and if it is competitive in today's market.
True | False

I know how much life insurance I (and my spouse, if applicable) carry. I know how much cash value there is in the policy, and I know the rate of return my cash value is earning.
True | False

I know the details (including amount of coverage, cost, monthly or yearly payment, etc.) of all other insurance policies carried by myself (and my spouse, if applicable). This includes health, disability, term life, and so on.
True | False

I have reviewed my life insurance policy in the last 12 to 24 months to see if the price I am paying for it is still competitive in today's marketplace.
True | False

If I own my own home, I know what kind of homeowner's coverage I have and what the deductibles are. If I rent, I know the amount of renter's insurance I have and what its deductible is. In either case, in the event of a fire or other catastrophic loss, I know whether my insurance will reimburse me for the actual cash value of my property or the cost of replacing it at today's current values.
True | False

I have attempted to protect my family's nest egg from lawsuits by carrying an "umbrella" insurance policy that includes liability coverage.
True | False

I either prepared my own tax return this year or reviewed my tax situation with the person who prepared my return.
True | False

I know the location and amounts of all my or my family's investments, including cash in savings or money market accounts, CDs or saving bonds, stocks and bonds, real estate investments (deeds, mortgages, rental agreements, etc.), collectibles (valuation and where items are).
True | False

I know the annualized return generated by each of the above investments.
True | False

If I or my family owns a business, I know the current valuation of the business, including how much debt it currently carries and the value of its liquid assets.
True | False

I know the value, location, and performance of all my retirement accounts (and those of my spouse, if applicable), including IRAs, SEP-IRAs, Keoghs, and company pension plans.
True | False

I know the percentage of income I am putting away for retirement and what it's being invested in (and, if applicable, how much my spouse is putting away and what he is investing in).
True | False

I know if I (and my spouse, if applicable) am making the maximum allowable contribution to my retirement plan at work, whether my employer is making matching contributions, and what the vesting schedule is.
True | False

I know how much money I (and my spouse, if applicable) will be getting from Social Security and what my (and, if applicable, his) pension benefits will be.
True | False

I know whether my (and my spouse's, if applicable) income is protected should I (or my spouse) becomes disabled because I own disability insurance. In addition, I know what the exact coverage is, when the benefits would start, and whether the benefits would be taxable.
True | False

I (or my family) maintain a safety deposit box, know how to gain access to it, and have reviewed its contents within the last 12 months. If I have the only key, other family members know where to find it if something should happen to me.
True | False

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Success Stories

Real Advice, Real People, Real Results.

David, in August 2005 I moved with no family or friends from Rome (Italy) to Los Angeles. My first year was tough. I shortly ruined my credit, I was missing payments on several credit cards and I was living paycheck by paycheck. I always been a planner and a dreamer, but I completely lacked any education or role model on personal finance. In Italy my family, once millionaire, arrived at the edge of bankruptcy and I was probably going to face the same destiny if my friend Amy did not lend me you ... more

- Ella Heath
Los Angeles, CA

Browse through hundreds of  success stories or even  add your own!

Success Stories

Start Late, Finish Rich

In Start Late, Finish Rich, David Bach takes the "Finish Rich" wisdom that has already helped millions of people and tailors it specifically to all of us who forgot to save, procrastinated, or got sidetracked by life's unexpected challenges.


Free Resources
Free Finish Rich tools to help you achieve your goals.

  • Figure out your Latte Factor™

  • The Five Secret Questions to Finish Rich

  • Get Organized with Our Worksheets

  • Tips on Hiring a Financial Advisor

  • Learn about Investment Basics

  • Find out about College Savings and Planning

    The views expressed herein are solely those of David Bach and FinishRich Media, LLC., and do not necessarily reflect the views of The Edelman Financial Group or any of its affiliates. Neither theinformation herein nor any opinion expressed herein constitutes or is intended to constitute investment advice or an offer to sell or solicit any person to purchase any security. FinishRich is a trademarked brand used by David Bach and FinishRich Media LLC. and none of David Bach, FinishRich Media LLC. [or The Edelman Financial Group or any of their affiliates] guarantee any financial results or a positive outcome to your personal situation.