{"id":2325,"date":"2021-12-20T16:04:34","date_gmt":"2021-12-20T08:04:34","guid":{"rendered":"https:\/\/shawnjosiah.com\/?p=2325"},"modified":"2021-12-20T16:04:34","modified_gmt":"2021-12-20T08:04:34","slug":"your-checklist-to-determine-your-financial-health","status":"publish","type":"post","link":"https:\/\/shawnjosiah.com\/shawnjosiah\/your-checklist-to-determine-your-financial-health\/","title":{"rendered":"Your Checklist To Determine Your Financial Health"},"content":{"rendered":"<div id=\"op3-designer-element\">\n<div data-op3-children=\"1\"><div id=\"op3-element-GRrBkYll\" class=\"op3-element \" data-op3-uuid=\"GRrBkYll\" data-op3-gid=\"\" data-op3-element-type=\"section\" data-op3-element-spec=\"\" data-op3-element-caption=\"Section #GRrBkYll\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"7\"><div id=\"op3-element-ZSykgngy\" class=\"op3-element \" data-op3-uuid=\"ZSykgngy\" data-op3-gid=\"\" data-op3-element-type=\"row\" data-op3-element-spec=\"\" data-op3-element-caption=\"Row #ZSykgngy\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"1\" data-op3-stack-columns-desktop=\"0\" data-op3-stack-columns-desktop-reverse=\"0\" data-op3-stack-columns-tablet=\"0\" data-op3-stack-columns-tablet-reverse=\"0\" data-op3-stack-columns-mobile=\"1\" data-op3-stack-columns-mobile-reverse=\"0\" data-op3-wrap-columns-desktop=\"0\" data-op3-wrap-columns-tablet=\"0\" data-op3-wrap-columns-mobile=\"0\"><div id=\"op3-element-n3ed8sx6\" class=\"op3-element \" data-op3-uuid=\"n3ed8sx6\" data-op3-gid=\"\" data-op3-element-type=\"column\" data-op3-element-spec=\"\" data-op3-element-caption=\"Column #n3ed8sx6\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div class=\"op3-column-content op3-background-parent\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-element-container><div data-op3-children=\"3\"><div id=\"op3-element-KFB2Clt7\" class=\"op3-element \" data-op3-uuid=\"KFB2Clt7\" data-op3-gid=\"\" data-op3-element-type=\"headline\" data-op3-element-spec=\"\" data-op3-element-caption=\"Headline #KFB2Clt7\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-headline-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><h2><!--StartFragment-->Your Checklist To Determine Your Financial Health&nbsp;<!--EndFragment--><br><\/h2><\/div><\/div><\/div><div id=\"op3-element-Orx72761\" class=\"op3-element \" data-op3-uuid=\"Orx72761\" data-op3-gid=\"\" data-op3-element-type=\"customhtml\" data-op3-element-spec=\"\" data-op3-element-caption=\"Custom HTML #Orx72761\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-custom-html-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-code-html><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-1357857881778325\" crossorigin=\"anonymous\"><\/script>\n<!-- Before Content - Horizontal -->\n<ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1357857881778325\" data-ad-slot=\"9570315525\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><\/div><\/div><div id=\"op3-element-NQsR9Dwp\" class=\"op3-element \" data-op3-uuid=\"NQsR9Dwp\" data-op3-gid=\"\" data-op3-element-type=\"text\" data-op3-element-spec=\"\" data-op3-element-caption=\"Text Editor #NQsR9Dwp\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-text-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><p><!--StartFragment-->Your financial health will tell how far you are from your financial goals. If you are financially healthy, it\u2019s a step towards achieving your goals and the lifestyle you\u2019ve always wanted.&nbsp; There are certain figures and indicators which will allow you to determine your financial score.&nbsp;<br><\/p><p>Read on.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"op3-element-mDNKcXuC\" class=\"op3-element \" data-op3-uuid=\"mDNKcXuC\" data-op3-gid=\"\" data-op3-element-type=\"row\" data-op3-element-spec=\"\" data-op3-element-caption=\"Row #mDNKcXuC\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"1\" data-op3-stack-columns-desktop=\"0\" data-op3-stack-columns-desktop-reverse=\"0\" data-op3-stack-columns-tablet=\"0\" data-op3-stack-columns-tablet-reverse=\"0\" data-op3-stack-columns-mobile=\"1\" data-op3-stack-columns-mobile-reverse=\"0\" data-op3-wrap-columns-desktop=\"0\" data-op3-wrap-columns-tablet=\"0\" data-op3-wrap-columns-mobile=\"0\"><div id=\"op3-element-iRzNdRjt\" class=\"op3-element \" data-op3-uuid=\"iRzNdRjt\" data-op3-gid=\"\" data-op3-element-type=\"column\" data-op3-element-spec=\"\" data-op3-element-caption=\"Column #iRzNdRjt\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div class=\"op3-column-content op3-background-parent\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-element-container><div data-op3-children=\"2\"><div id=\"op3-element-1fjwoeaz\" class=\"op3-element \" data-op3-uuid=\"1fjwoeaz\" data-op3-gid=\"\" data-op3-element-type=\"headline\" data-op3-element-spec=\"\" data-op3-element-caption=\"Headline #1fjwoeaz\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-headline-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><h2><!--StartFragment-->Calculate Your Net Worth<!--EndFragment--><br><\/h2><\/div><\/div><\/div><div id=\"op3-element-Y92dkZ4y\" class=\"op3-element \" data-op3-uuid=\"Y92dkZ4y\" data-op3-gid=\"\" data-op3-element-type=\"text\" data-op3-element-spec=\"\" data-op3-element-caption=\"Text Editor #Y92dkZ4y\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-text-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><p>Here\u2019s how you can compute how much your <a href=\"https:\/\/www.investopedia.com\/articles\/personal-finance\/111813\/five-rules-improve-your-financial-health.asp\" style=\"\">net worth<\/a> is: Assets minus liabilities. Assets are everything that you own - cash in banks, investments, properties, stocks) and liabilities are your unpaid debts (student loans, personal debts, mortgages, credit card balance). This is the best indication of your financial health, or at least a snapshot of it.&nbsp;<\/p><p>Your monthly salary only tells one side of your financial story. You might be earning well, but what happens to your take home pay tells a lot about your financial attitude and habits. This is what the net worth measures. Your salary may indeed be high but if you still have so many unpaid financial liabilities, you might still end up with a negative net worth.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"op3-element-5r58rwOM\" class=\"op3-element \" data-op3-uuid=\"5r58rwOM\" data-op3-gid=\"\" data-op3-element-type=\"row\" data-op3-element-spec=\"\" data-op3-element-caption=\"Row #5r58rwOM\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"1\" data-op3-stack-columns-desktop=\"0\" data-op3-stack-columns-desktop-reverse=\"0\" data-op3-stack-columns-tablet=\"0\" data-op3-stack-columns-tablet-reverse=\"0\" data-op3-stack-columns-mobile=\"1\" data-op3-stack-columns-mobile-reverse=\"0\" data-op3-wrap-columns-desktop=\"0\" data-op3-wrap-columns-tablet=\"0\" data-op3-wrap-columns-mobile=\"0\"><div id=\"op3-element-BGEeBYcp\" class=\"op3-element \" data-op3-uuid=\"BGEeBYcp\" data-op3-gid=\"\" data-op3-element-type=\"column\" data-op3-element-spec=\"\" data-op3-element-caption=\"Column #BGEeBYcp\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div class=\"op3-column-content op3-background-parent\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-element-container><div data-op3-children=\"3\"><div id=\"op3-element-vUEL008M\" class=\"op3-element \" data-op3-uuid=\"vUEL008M\" data-op3-gid=\"\" data-op3-element-type=\"headline\" data-op3-element-spec=\"\" data-op3-element-caption=\"Headline #vUEL008M\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-headline-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><h2><!--StartFragment-->Determine Your Asset\u2019s Market Value&nbsp;<!--EndFragment--><br><\/h2><\/div><\/div><\/div><div id=\"op3-element-fmcQMbsm\" class=\"op3-element \" data-op3-uuid=\"fmcQMbsm\" data-op3-gid=\"\" data-op3-element-type=\"customhtml\" data-op3-element-spec=\"\" data-op3-element-caption=\"Custom HTML #fmcQMbsm\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-custom-html-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-code-html><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-1357857881778325\" crossorigin=\"anonymous\"><\/script>\n<ins class=\"adsbygoogle\" style=\"display:block; text-align:center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-1357857881778325\" data-ad-slot=\"3751441233\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><\/div><\/div><div id=\"op3-element-oZW78V1T\" class=\"op3-element \" data-op3-uuid=\"oZW78V1T\" data-op3-gid=\"\" data-op3-element-type=\"text\" data-op3-element-spec=\"\" data-op3-element-caption=\"Text Editor #oZW78V1T\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-text-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><p><!--StartFragment-->You hold onto an investment asset for a long period of time in hopes that its value will increase and give you a high return. Your investment plays a huge part in your net worth calculation. Assessing its <a href=\"https:\/\/www.businessinsider.com\/market-value\">market value<\/a> is important so you will be able to determine whether or not it\u2019s still worth holding for a longer period of time, or if it\u2019s still worth putting more funds in, or if it\u2019s time to shift your focus on another income-generating investment.<!--EndFragment--><br><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"op3-element-zNIXdqu0\" class=\"op3-element \" data-op3-uuid=\"zNIXdqu0\" data-op3-gid=\"\" data-op3-element-type=\"row\" data-op3-element-spec=\"\" data-op3-element-caption=\"Row #zNIXdqu0\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"1\" data-op3-stack-columns-desktop=\"0\" data-op3-stack-columns-desktop-reverse=\"0\" data-op3-stack-columns-tablet=\"0\" data-op3-stack-columns-tablet-reverse=\"0\" data-op3-stack-columns-mobile=\"1\" data-op3-stack-columns-mobile-reverse=\"0\" data-op3-wrap-columns-desktop=\"0\" data-op3-wrap-columns-tablet=\"0\" data-op3-wrap-columns-mobile=\"0\"><div id=\"op3-element-RFMAH7iW\" class=\"op3-element \" data-op3-uuid=\"RFMAH7iW\" data-op3-gid=\"\" data-op3-element-type=\"column\" data-op3-element-spec=\"\" data-op3-element-caption=\"Column #RFMAH7iW\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div class=\"op3-column-content op3-background-parent\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-element-container><div data-op3-children=\"2\"><div id=\"op3-element-lPZYhOi1\" class=\"op3-element \" data-op3-uuid=\"lPZYhOi1\" data-op3-gid=\"\" data-op3-element-type=\"headline\" data-op3-element-spec=\"\" data-op3-element-caption=\"Headline #lPZYhOi1\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-headline-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><h2><!--StartFragment-->Measure Your Debt-to-Income (DTI) Ratio<!--EndFragment--><br><\/h2><\/div><\/div><\/div><div id=\"op3-element-bvwYGrcY\" class=\"op3-element \" data-op3-uuid=\"bvwYGrcY\" data-op3-gid=\"\" data-op3-element-type=\"text\" data-op3-element-spec=\"\" data-op3-element-caption=\"Text Editor #bvwYGrcY\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-text-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><p><!--StartFragment-->This figure is calculated by summing up all your debt payment (monthly) and dividing it your monthly income. A DTI of 36% or lower is ideal according to lenders. Determining this figure is important because it tells how creditworthy you are and how responsible you are in paying back your financial obligations. The higher the DTI, the higher interest rates the bank will impose on your loans and borrowings.&nbsp;<!--EndFragment--><br><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"op3-element-UbCFbhpW\" class=\"op3-element \" data-op3-uuid=\"UbCFbhpW\" data-op3-gid=\"\" data-op3-element-type=\"row\" data-op3-element-spec=\"\" data-op3-element-caption=\"Row #UbCFbhpW\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"1\" data-op3-stack-columns-desktop=\"0\" data-op3-stack-columns-desktop-reverse=\"0\" data-op3-stack-columns-tablet=\"0\" data-op3-stack-columns-tablet-reverse=\"0\" data-op3-stack-columns-mobile=\"1\" data-op3-stack-columns-mobile-reverse=\"0\" data-op3-wrap-columns-desktop=\"0\" data-op3-wrap-columns-tablet=\"0\" data-op3-wrap-columns-mobile=\"0\"><div id=\"op3-element-StYKFitR\" class=\"op3-element \" data-op3-uuid=\"StYKFitR\" data-op3-gid=\"\" data-op3-element-type=\"column\" data-op3-element-spec=\"\" data-op3-element-caption=\"Column #StYKFitR\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div class=\"op3-column-content op3-background-parent\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-element-container><div data-op3-children=\"2\"><div id=\"op3-element-yYTPqxJK\" class=\"op3-element \" data-op3-uuid=\"yYTPqxJK\" data-op3-gid=\"\" data-op3-element-type=\"headline\" data-op3-element-spec=\"\" data-op3-element-caption=\"Headline #yYTPqxJK\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-headline-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><h2><!--StartFragment-->Determine How Long You Can Maintain Your Lifestyle<!--EndFragment--><br><\/h2><\/div><\/div><\/div><div id=\"op3-element-OBEGopz5\" class=\"op3-element \" data-op3-uuid=\"OBEGopz5\" data-op3-gid=\"\" data-op3-element-type=\"text\" data-op3-element-spec=\"\" data-op3-element-caption=\"Text Editor #OBEGopz5\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-text-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><p><!--StartFragment-->The <a href=\"https:\/\/www.morningstar.com\/articles\/961907\/5-vital-signs-to-check-your-financial-independence\">months of safety metric<\/a> from a report published by the Morning Start suggests that this is an important indicator of a person\u2019s financial independence. This figure is calculated by dividing all your cash savings by your monthly expenditures. The resulting number is the number of months you will be able to carry on your lifestyle even without a monthly income which would be the case if you got fired or laid off from work.&nbsp;<!--EndFragment--><br><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"op3-element-czAhhm1u\" class=\"op3-element \" data-op3-uuid=\"czAhhm1u\" data-op3-gid=\"\" data-op3-element-type=\"row\" data-op3-element-spec=\"\" data-op3-element-caption=\"Row #czAhhm1u\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"1\" data-op3-stack-columns-desktop=\"0\" data-op3-stack-columns-desktop-reverse=\"0\" data-op3-stack-columns-tablet=\"0\" data-op3-stack-columns-tablet-reverse=\"0\" data-op3-stack-columns-mobile=\"1\" data-op3-stack-columns-mobile-reverse=\"0\" data-op3-wrap-columns-desktop=\"0\" data-op3-wrap-columns-tablet=\"0\" data-op3-wrap-columns-mobile=\"0\"><div id=\"op3-element-649SlZS7\" class=\"op3-element \" data-op3-uuid=\"649SlZS7\" data-op3-gid=\"\" data-op3-element-type=\"column\" data-op3-element-spec=\"\" data-op3-element-caption=\"Column #649SlZS7\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div class=\"op3-column-content op3-background-parent\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-element-container><div data-op3-children=\"2\"><div id=\"op3-element-HR8QASeB\" class=\"op3-element \" data-op3-uuid=\"HR8QASeB\" data-op3-gid=\"\" data-op3-element-type=\"headline\" data-op3-element-spec=\"\" data-op3-element-caption=\"Headline #HR8QASeB\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-headline-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><h2><!--StartFragment-->Determine Your Level Of Personal Financial Stress<!--EndFragment--><br><\/h2><\/div><\/div><\/div><div id=\"op3-element-nroXuOtw\" class=\"op3-element \" data-op3-uuid=\"nroXuOtw\" data-op3-gid=\"\" data-op3-element-type=\"text\" data-op3-element-spec=\"\" data-op3-element-caption=\"Text Editor #nroXuOtw\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-text-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><p>Rate your level of financial stress from 1-10, 10 being the most stressed when you hear about and deal with money. Common signs of financial stress are the following:&nbsp;<\/p><p><!--StartFragment--><!--EndFragment--><\/p><ul><li><p>Lack of social plans<\/p><\/li><li><p>Avoiding creditors<\/p><\/li><li><p>Shortness of breath when you think about your funds<\/p><\/li><li><p>Losing control of your money<\/p><\/li><li><p>Irritability&nbsp;<\/p><\/li><li><p>Frequently worrying about money and the future<\/p><\/li><li><p>Trouble sleeping because of money issues<\/p><\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"op3-element-ApThZFuu\" class=\"op3-element \" data-op3-uuid=\"ApThZFuu\" data-op3-gid=\"\" data-op3-element-type=\"row\" data-op3-element-spec=\"\" data-op3-element-caption=\"Row #ApThZFuu\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"1\" data-op3-stack-columns-desktop=\"0\" data-op3-stack-columns-desktop-reverse=\"0\" data-op3-stack-columns-tablet=\"0\" data-op3-stack-columns-tablet-reverse=\"0\" data-op3-stack-columns-mobile=\"1\" data-op3-stack-columns-mobile-reverse=\"0\" data-op3-wrap-columns-desktop=\"0\" data-op3-wrap-columns-tablet=\"0\" data-op3-wrap-columns-mobile=\"0\"><div id=\"op3-element-Y6SBrZ8o\" class=\"op3-element \" data-op3-uuid=\"Y6SBrZ8o\" data-op3-gid=\"\" data-op3-element-type=\"column\" data-op3-element-spec=\"\" data-op3-element-caption=\"Column #Y6SBrZ8o\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div class=\"op3-column-content op3-background-parent\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-element-container><div data-op3-children=\"3\"><div id=\"op3-element-WEVRS45r\" class=\"op3-element \" data-op3-uuid=\"WEVRS45r\" data-op3-gid=\"\" data-op3-element-type=\"headline\" data-op3-element-spec=\"\" data-op3-element-caption=\"Headline #WEVRS45r\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-headline-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><h2>Final Thoughts<\/h2><\/div><\/div><\/div><div id=\"op3-element-k52i8WFc\" class=\"op3-element \" data-op3-uuid=\"k52i8WFc\" data-op3-gid=\"\" data-op3-element-type=\"customhtml\" data-op3-element-spec=\"\" data-op3-element-caption=\"Custom HTML #k52i8WFc\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-custom-html-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-code-html><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-1357857881778325\" crossorigin=\"anonymous\"><\/script>\n<ins class=\"adsbygoogle\" style=\"display:block; text-align:center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-1357857881778325\" data-ad-slot=\"8883569796\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><\/div><\/div><div id=\"op3-element-O5yHkdop\" class=\"op3-element \" data-op3-uuid=\"O5yHkdop\" data-op3-gid=\"\" data-op3-element-type=\"text\" data-op3-element-spec=\"\" data-op3-element-caption=\"Text Editor #O5yHkdop\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-text-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><p>A person who cares about his finances and spending should know about the above figures. Financial health is also used by banks whether or not they should charge you with higher interest rates if they would grant your loan, or approve you on your credit card application. A financially healthy individual recognizes the importance of money, investment, and comfortable living.&nbsp;<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div><!-- #op3-designer-element -->\n","protected":false},"excerpt":{"rendered":"<p>If you are financially healthy, it\u2019s a step towards achieving your goals and the lifestyle you\u2019ve always wanted.<\/p>\n","protected":false},"author":1,"featured_media":2326,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[7,4],"tags":[131],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Your Checklist To Determine Your Financial Health - Shawn Josiah<\/title>\n<meta name=\"description\" content=\"If you are financially healthy, it\u2019s a step towards achieving your goals and the lifestyle you\u2019ve always wanted.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/shawnjosiah.com\/shawnjosiah\/your-checklist-to-determine-your-financial-health\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Your Checklist To Determine Your Financial Health - 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