🧠 ADHD-Friendly Financial Readiness Checklist

Photo by David Walker | Walker Design Co. on Unsplash

For Adults Building Wealth, Getting Organized, or Planning Ahead

If money stuff stresses you out—or feels like it’s always on the back burner—you’re not alone. This checklist is designed for how your brain actually works: simple steps, low pressure, and momentum over perfection.

💸 CASH FLOW CLARITY – Know What’s Coming In & Going Out

✅ I know how much I make each month (or I have it written down somewhere)
✅ I’ve tracked my spending at least once in the last 3 months
✅ I can separate needs vs. wants (or I use a tool that helps me)
✅ I’ve set up a basic budget—or tried a method like 50/30/20
✅ I’ve looked for ways to reduce or automate expenses (subscriptions, bill pay, etc.)

💰 SAVINGS & WEALTH BUILDING – Start Where You Are

✅ I have a starter emergency fund (even $250–$500 counts!)
✅ I’ve set a savings goal for something meaningful (travel, move, gear, etc.)
✅ I’ve opened (or contributed to) a high-yield savings or retirement account
✅ I automate savings—even $10/week matters
✅ I’ve increased savings after a raise, bonus, or windfall

📈 INVESTING – Make Your Money Work (Without Overwhelm)

✅ I’ve started investing—or at least picked a platform (401(k), Roth IRA, app)
✅ I understand basic investment types (stocks, bonds, funds)
✅ I’ve chosen automatic investing or a target-date fund to keep it easy
✅ I know the difference between long-term investing and day-trading
✅ I’ve checked that my fees are low (no hidden robo fees or front-loads)

🔐 INSURANCE & PROTECTION – Cover the Basics

✅ I have basic health insurance
✅ I’ve thought about renters/home insurance or disability coverage
✅ I’ve looked at term life insurance (especially if someone depends on me)
✅ I know who’s listed as beneficiary on my accounts
✅ I’ve used a password manager or secured key financial logins

📂 ORGANIZATION & EXECUTIVE FUNCTION – Make It ADHD-Friendly

✅ I’ve created a Money HQ (folder, digital hub, or app with everything in one place)
✅ I use reminders or calendar alerts for bills, renewals, or savings
✅ I batch money tasks—like one “money day” per month
✅ I keep track of goals with a visual tracker or habit app
✅ I’ve given myself permission to ask for help when I feel stuck

💬 MINDSET, PURPOSE & MOTIVATION

✅ I’ve defined what wealth means to me (freedom, flexibility, stability)
✅ I check in on how money impacts my mental health
✅ I’ve talked about money with a friend, partner, or coach—without shame
✅ I remind myself: progress > perfection
✅ I believe my brain is not broken—just wired differently 💥

🔎 ADHD Financial Confidence Score

Count your ✅s:

20–30: You’re more organized than you think. Build on this momentum.
13–19: You’ve got a strong start—pick 1–2 key areas to focus next.
Under 13: It’s not a failure—it’s a signal. Let’s build systems that work for your brain.

💬 Need a Next Step That Doesn’t Feel Overwhelming?

Start with just one:

👉 Link your accounts to a free budget tracker
👉 Automate $5–$25 into savings weekly
👉 Book a financial clarity session with someone who gets ADHD brains

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Disclaimer: The information provided on this site and its blogs is for educational and informational purposes only. It does not constitute financial, legal, or tax advice. Always consult with a qualified professional for guidance tailored to your individual circumstances. The examples, illustrations, and sample checklists are intended for general reference and are not meant to reflect any individual or family's specific needs or outcomes. They are provided to demonstrate concepts and do not guarantee future results.