1. How many months of essential expenses could you cover from easily accessible cash?

2. Is your emergency fund ring-fenced from day-to-day spending?

3. If your income stopped tomorrow, how clear is your plan for what you’d use and in what order?

4. How well do your cash reserves match the currencies and countries where you actually spend money?

5. How confident are you that your cash cushion would cover a 6–12 month job search or transition?