fi nances. Consider the assets listed on the balance sheet for Victor and Maria Hernandez in Table 3.3. Do they have too few monetary assets compared with tangible and investment assets? Experts recommend that 15 to 20 percent of your assets be in monetary form and that this proportion increase as you near retirement. Do you have too much invested in one asset, or have you diversifi ed, like the Hernandezes? Have your balance sheet fi gures changed in a favorable direction since last year? Is a growing proportion of your income coming from your investments? Are you making progress toward your fi nancial goals? If not, ask: “Am I spending money where I really want to?,” “In which categories can I reduce expenses?,” and

“Could I increase income?”