The core Financial Snapshot has a total of six categories to evaluate. We reviewed what it would look like if you were to be consistent across all categories, but this scenario will not work for most of society. You may be further on in one category while lagging in another. In order to determine where you are at, looking at each category specifically based on your level of current proficiency will help reveal which needs the most focus. Getting a grip on the level that you operate by a Plan to Spend or budget will be the first step in the process.