Personal Finance Stability Indicators 

Nearly three-fourths live paycheck to paycheck. Three in ten adults have no emergency savings. Two-thirds of Americans are one major catastrophe away from bankruptcy.

1) No credit card or unsecured debt

2) Have and follow a budget

3) Monitor net worth including equity positions in business investments

4) Savings rate of 15%

5) Two months of expenses in reserves

6) Insurance and plan for medical expenses

7) Life insurance – six to ten times your salary

8) On target for retirement