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* 1. Do you have at least $1,000 set aside as an emergency fund?

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* 2. Do you have at least three months of savings set aside in a readily accessible account?

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* 3. Do you have a written budget or spending plan?

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* 4. Do you have a written financial plan regarding your future goals?

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* 5. Do you have a retirement savings account beyond the mandatory FRS contributions?

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* 6. Do you know how you would begin contributing to another account?

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* 7. Are you aware that Pasco County Schools offers 403B and 457 plans to active employees?

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* 8. Do you meet with your retirement financial manager at least once per year to assist with your financial goals?

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* 9. Do you know your credit score?

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* 10. Please rate the following statement:

My finances are a significant source of stress

T