Are your bills more than your income?

Does the amount of your "Emergency" savings concern you?

How much does your protection level concern you?

How much does your credit standing concern you?

Do you have any unpaid or incomplete taxes?

Have you planned ahead for your retirement?

Your assets are things that increase your wealth like stocks, bonds, and real estate.  Liabilities are debt that you have like mortgages and loans.

Do you have a will and estate planning?

Do you have a plan in place to buy a home, education, or start a business?