Think you're on track financially? This episode is a self audit, not a lecture. In this quiz-style episode, personal finance coach Shannon Brome-Ward walks you through 10 questions covering emergency funds, debt payoff strategies, investing for beginners, retirement planning, and tax brackets explained, the same questions she uses to help clients close the gap between where they are and financial freedom.

You'll learn how to calculate the right emergency fund for your household, why "something always comes up" is really a planning problem, how to choose a debt payoff strategy that works, and why postponing investing quietly costs you more than you think. Shannon also breaks down how your 401k actually works, why your HSA is one of the most powerful retirement accounts available, how marginal tax brackets really work so a raise never hurts you, why a big tax refund isn't a win, and how to spot fixed expenses that aren't actually fixed.

The 10 Questions:

1. Do you have the right emergency fund?

2. Do you keep dipping into your savings?

3. Does something always come up?

4. Are you drowning in debt that won't move?

5. Do you keep postponing investing?

6. Do you actually understand your 401k?

7. Are you using your HSA?

8. Are you afraid of a raise because of tax brackets?

9. Are you getting a huge tax refund every year?

10. Have you actually looked at your fixed expenses?

Ready for real answers, not vague advice? Join Shannon live for her free masterclass, How to Build an Investment Portfolio Without a Financial Advisor or Living Like You're Broke, on Wednesday, August 12 at 7pm EST. Register here.