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Where you actually stand.

Financial health check

Emergency fund, debt, savings rate, black tax, cover. A score out of 24 and — more usefully — the single thing worth fixing first.

Eight honest questions. It takes about two minutes and at the end you get a score, and more usefully, the single thing worth fixing first. Nothing you answer leaves this page.

1 of 8

If your income stopped today, how long could you cover your normal expenses from savings?

2 of 8

Do you know, to the shilling, what lands in your account each month after deductions?

3 of 8

What share of your income did you save or invest last month?

4 of 8

What do your debt repayments look like?

5 of 8

Family support — is it planned or does it just happen?

6 of 8

How many sources does your income come from?

7 of 8

If something serious happened — hospital, accident, a phone stolen — what covers it?

8 of 8

Do you have a money goal with a number and a date attached?

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While you're here

Everything on that list gets harder when you do not know what is coming.

The Brief is the weekly read that tells you what happened to Kenyan prices, rates and jobs, and what to watch next. Free, every Monday.