How do I know if I'm financially healthy compared to where I should be?

Rather than comparing to other people, check a handful of objective signals. Do you spend less than you earn and save a meaningful share, ideally 15-20% or more, of income? Do you have an emergency fund covering three to six months of expenses? Is your high-interest debt under control or gone? Are you capturing your full 401(k) match and on track for retirement? Is your net worth trending up year over year? Do you have appropriate insurance and updated beneficiaries? Hitting most of these means you're in good shape, even if you're not "rich." Financial health is about stability and trajectory, not a specific balance. The financial-wellness assessment at wealthserene.com/assessments/financial-wellness scores you across these domains and shows where to focus next.