What the Hell?
Your money report card
1. At your current level of spending, how long could you and your household afford to cover expenses, if you had to live only off the money you have readily available, without withdrawing money from retirement accounts or borrowing?
Less than 1 week
1 - 3 weeks
1 - 2 months
3 - 5 months
6 or more months
2. Which of the following statements best describes how your household has paid its bills over the last 12 months? My household has been financially able to..
Pay very few of our bills on time
Pay some of our bills on time
Pay most of our bills on time
Pay all of our bills on time
3. For the following, please think of your current financial well-being and how Humana can support you. Please rate the level of importance of the following types of resources and guidance.
Not at all important
Slightly important
Moderately important
Important
Very important
Education on personal finance topics (banking, mortgage, etc)
Strategies to pay for higher education
Resources to help manage/improve credit score
Help creating and sticking to a spending plan/budget
Help establishing and using an emergency fund
Guidance on strategies to pay off debt
Assistance planning for a secure retirement
Support/accountability from others as on my financial well being journey
Choosing appropriate investments
Methods to teach children healthy financial habits
Help getting on the same financial page as a spouse/partner
4. Please provide any additional thoughts or comments regarding Financial Well-being here.
5 .Thinking about your household’s longer term financial goals such as saving for a vacation, starting a business, buying or paying off a home, saving up for education, putting money away for retirement, or making retirement funds last… How confident are you that your household is currently doing what is needed to meet your longer term goals?
Extremely confident
Somewhat confident
Neutral
Extremely not confident
Thinking about all of the types of insurance you and others in your household currently might have, including health insurance, vehicle insurance, home or rental insurance, life insurance, accident insurance, and disability insurance... How confident are you that those insurance policies will provide enough support in case of an emergency?
No one in my householdhas any insurance
Not at all confident
Slightly confident
Somewhat confident
Extremely confident
7. Rate your level of agreement
Not Satisfied
Somewhat Satisfied
Neutral
Satisfied
Extremely satisfied
I have a fear that if I invest money, it will be lost
I would appreciate outreach and support from a coach or mentor about my money well being
I spent time at work handling personal financial matters
I experience stress on a daily basis stemming from y finances
The money make me, and control my life
I believe my financial future is bright
I prefer to make my own money decisions rather than having an expert take care of them for me
I prefer not taking financial risks
8.Which of the following statements best describes how your household’stotal income compared to total spending, over the last 12 months?
Spending was much more than income
Spending was a little more than income
Spending was about equal to income
Spending was much less than income
9. To what extent do you agree or disagree with the following: "My household plans ahead financially"
Strongly Disagree
Disagree
Neutral
Agree
Extremely agree
10. How would you rate your credit score? Your credit score is a number that tells lenders how risky or safe you are as a borrower.
Poor
Fair
Good
Very Good
Exceptional
11. Thinking about all of your household's current debts, including mortgages, bank loans, student loans, money owed to people, medical bills, past due bills, credit card debt.... As of today, which of the following describes how manageable your household is?
Have far more debt than is manageable
Have a bit more debt than is manageable
Have a manageable amount of debt
Do not have any debt
12. Please share any additional resources or guidance that you feel would beparticularly important to improving your Financial Well-Being.
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