How many months of essential bills could your savings cover if income stopped?
What share of take-home pay do you save or invest each month, including retirement?
Compared against a common rule of thumb for savings by age (about 1× salary by 30, 3× by 40, 6× by 50, 8× by 60).
Monthly payments on credit cards, car loans, and personal loans (not your mortgage) as a share of take-home pay.
If you have children who may go to college, where does saving for it stand?
Which of these are in place: life insurance, disability coverage, a will, and named beneficiaries?
How closely do you track where your money goes?
If sales stopped today, how long could you keep paying the bills?
Revenue minus direct costs (materials, subcontractors, cost of goods), as a share of revenue.
What share of last year's revenue came from your single largest customer?
On average, how long after you invoice does the money arrive?
Monthly loan, credit line, and card payments as a share of monthly revenue.
When did you last raise your prices?
How current are your books?
Compared with 12 months ago, monthly revenue is…
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