Money Snapshot

List the accounts and balances you need to see in one place.

Checking and savings balances listed 401(k), IRA, pension, and brokerage accounts listed Emergency fund amount written down Large expected expenses for the next 12-24 months listed

Total monthly income now Expected monthly retirement income Emergency fund target Next review date

Notes

Debt And Fixed Expenses

Make monthly obligations visible before deciding what to change.

Mortgage or rent documented Credit cards, loans, and medical bills listed Interest rates and minimum payments listed Subscriptions and recurring bills reviewed

Debt or bill Monthly payment Due date Priority

Income Timing

Retirement is a timing puzzle. Write down when each income source may start.

Social Security estimate reviewed Pension options reviewed, if applicable Retirement account withdrawal rules noted RMD timing noted, if applicable

Target retirement date Social Security claiming age to review Pension or annuity contact Part-time or other income notes

Health Coverage

Confirm coverage timing before leaving employer coverage or changing work.

Employer coverage end date confirmed Medicare enrollment timing reviewed Prescription coverage checked Dental, vision, hearing, and long-term care needs noted

Coverage notes

Documents And Access

Keep important records findable, but protect sensitive information carefully.

Will, trust, or estate documents located Power of attorney and advance directive located, if available Beneficiary designations reviewed Password manager or access instructions reviewed Recent tax returns and property records located Trusted contact knows where key records are stored

Where important documents are stored

Home, Family, And Emergency Details

Make sure someone can help quickly if a practical problem becomes urgent.

Emergency contact sheet started Doctors, pharmacy, and insurance contacts listed Household vendors and utility contacts listed Home maintenance, mobility, and safety needs reviewed

Primary emergency contact Backup contact Primary doctor or clinic Preferred pharmacy

Next three actions