When you go to the doctor, the first thing they ask you to do is get x-rays and tests to diagnose the disease.

Your life is the same: it cannot be organized without doing a comprehensive "Financial Screening."

Let me be clear with you:
- You are not struggling financially today because your salary is low
- You are struggling because your financial system has a major flaw

Just as x-rays reveal areas of defect in the body, a "Financial Screening" reveals areas of defect in your financial system.

The financial screening starts with income sources
Think of yourself as a company and calculate all the cash flows coming into your pocket:
- Salary
- Business venture
- Dividend distributions
- Rental income

Then add all of this to know your monthly or annual income

Then you move on to debts
Do you have any debts or installments?
If yes, what is the installment amount, or total installments?

Obligations
How much do you spend monthly on housing, groceries, transportation, education, and healthcare?

Calculate all your obligations and determine the exact figure.

What is the size of your wealth?
Calculate all the assets you own, whether a rental property, stocks, gold, and so on.

Don't count your home where you live, or your car, because these are consumables and not assets.

How much are you saving for your future?
Calculate the amount you set aside monthly for your future self.

Then try to calculate the ratio of these figures to your total income to ensure you're in a range that allows you to breathe financially and doesn't pressure you all the time.

For example, the debt ratio cannot exceed 30% of your income
and total expenses (including installments) should not exceed 80% of your income.

I usually do these steps with everyone I work with on financial planning.

A team created an application that allows you to do this financial screening for free
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