Personal Finance Mastery Complete personal finance system covering budgeting, debt elimination, investing, tax optimization, insurance, estate planning, and financial independence. Works for any income level, any country. --- Quick Financial Health Check Run to score current financial health: | Signal | Healthy | Warning | Critical | |--------|---------|---------|----------| | Emergency fund | 3-6 months expenses | 1-3 months | < 1 month | | Savings rate | 20% | 10-20% | < 10% | | Debt-to-income | < 36% | 36-50% | 50% | | Housing cost | < 28% of gross | 28-35% | 35% | | Net worth trend | Grow…