Do you have any debt with an interest rate over 6%?

This could be debt from a credit card, student loan, or any other source.

Does your current workplace offer a retirement plan?

We want to know if you are covered by a 401(k), 403(b), or other employer-sponsored retirement plan.

Does your employer match your retirement contributions?

In addition to your own contributions, some employers will match your retirement plan contributions up to a certain percentage.

Are you currently eligible for a health savings account (HSA)?

You're eligible if you are enrolled in an HSA-eligible health plan, not covered by another health plan, not enrolled in Medicare, and can't be claimed as a dependent on someone else's tax return.

Do you have enough savings to cover at least 3 months worth of essential expenses?

We want to know if you have access to cash if you ever had emergency expenses. This could be from a savings account, or other liquid account.

Building your financial to-do list

Based on your answers, here are some priorities to consider:

This is just the start of your free financial independence plan

We can calculate your savings rate and FI number, and help you figure out where to put your saved dollars.

Explore other Fidelity products, opens in new window.

Learn more, opens in new window about how we calculate your to-do list.

Investing involves risk, including risk of loss.

This experience is educational in nature and should not be viewed as a recommendation from Fidelity to take any action. Please use this experience as a starting point to learn more about the different products and/or services Fidelity makes available. Fidelity does not provide legal or tax advice.

The planner is free to use however, fees associated with your account positions or transacting in your account apply. Accounts made available via the tool may be subject to fees.

  1. With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation.
  2. The information provided herein is general in nature. It is not intended, nor should it be construed, as legal or tax advice. Because the administration of an HSA is a taxpayer responsibility, you are strongly encouraged to consult your tax advisor before opening an HSA. You are also encouraged to review information available from the Internal Revenue Service (IRS) for taxpayers, which can be found on the IRS website. You can find IRS Publication 969, *Health Savings Accounts and Other Tax-Favored Health Plans*, and IRS Publication 502, *Medical and Dental Expenses*, online, or you can call the IRS to request a copy of each at 800-829-3676

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