I have a saving/spending strategy that is thought out and maintained.
I have appropriate levels of debt/income, or, for the debt I have, there is a payoff strategy in place
I have a sufficient buffer in place for unexpected expenses/opportunities that may arise.
My loved ones are covered financially in case of an accident, disability, or my death.
I understand how my health insurance plan works and have the appropriate plan for my situation.
I have credit monitoring or a credit freeze in place.
I have financial goals and a well-thought-out plan to meet those goals, including saving and investment strategies.
I periodically review my investment portfolio and goals.
I take steps to avoid common investing pitfalls like trying to time the market, emotional investing, failing to diversify, etc.