1. Current Money Picture
- Monthly take-home income is clear.
- Fixed monthly obligations are listed.
- Variable spending patterns are visible.
- Debt payments and due dates are known.
- Family support commitments are written down.
2. Emergency Readiness
- You know how many months your emergency fund can cover.
- Emergency savings are separate from daily spending money.
- You know which expenses would pause first in a crisis.
- Your household knows where important documents are kept.
3. Protection Gaps
- You know who depends on your income.
- You know how much existing insurance coverage you have.
- You understand what your policy covers and what it does not cover.
- Health, accident, disability, and life risks have been reviewed.
4. Growth And Intention
- You have a written savings or investment goal.
- Your long-term goals have a timeline.
- Your money decisions match your family priorities.
- You know the next one decision that matters most.
Reflection Prompts
Write these down before you ask for advice.
- If my income stopped for 90 days, what would happen first?
- Which financial obligation am I carrying quietly?
- What do I own that I do not fully understand yet?
- What decision would make my next six months feel calmer?
Next Step
Turn the guide into a clearer decision.
Bring this checklist into a readiness assessment so Venus can help you identify the most practical next step.