Money Management Self-Assessment Do you have clear financial goals both in the short term and long term? Do you spend less than you earn? Do you know your net worth? Do you save at least 15% of your earnings? Do you pay your credit card balances in full every month? Do you participate in a retirement plan at work? Do you have a budget? Do you review your finances regularly? Do you have an emergency fund? Are your financial records organized and filed for safe keeping