The 5-Minute Financial Health Check

Money tracking doesn't have to be a second job. A few simple ratios tell you more than a giant spreadsheet.

The Five Numbers

1. Savings Rate: (Savings ÷ Income) × 100
2. Debt-to-Income: Monthly Debt Payments ÷ Income
3. Emergency Fund: Months of expenses saved
4. Expense Ratio: Fixed vs. variable costs
5. Net Worth: Assets − Liabilities

Monthly 5-Minute Routine

• Check last month's spending totals
• Update savings and debt balances
• Calculate the five numbers above
• Decide one tiny change for next month