Signs of Financial Intelligence

Financial Intelligence

Having a good head on your shoulders financially means being able to make decisions that not only suit your financial situation in the present but also set yourself up for success at a later time.

People who have financial intelligence make decisions that benefit the bigger picture and are carefully thought out tactics based on logic instead of whim.

Part of being an adult is being able to make the tough decisions which determine whether you’re going to make financial moves based on desires or strategic and carefully thought out investments which affect the greater picture of your financial health.

Take a look at some of the signs of what exactly financial intelligence means and ask yourself whether you think you have what it takes to consider yourself in this category.

Setting Financial Goals

Setting goals for yourself and constantly assessing how far you have come on them regularly is a great sign of financial maturity.

It’s ideal to aim high so that even if you don’t attain exactly what you aimed for, at least you made it close. Try using financial apps to your advantage that help keep you on track and check in with you regularly.

Setting goals for your retirement is especially important.  Make it a point to put money away in either a retirement fund or invest in an annuity which promises a big financial return in your later years leaving you financially comfortable.


Putting aside a small amount of money regularly and consistently shows a commitment to your future.  Some people shy away from savings because they want to live in the moment and enjoy their earnings on the go.  They are afraid that savings mean that they won’t be able to fulfill their needs.

Savings doesn’t have to mean breaking the bank, however.  Saving a certain set amount each week, since your financial situation can ebb and flow and $100 one week may feel like nothing, and the next week even $20 is a lot.  Instead, agree with yourself on a set percentage of whatever you bring in.  Start with 15% of whatever you earn, and if you feel comfortable, you can increase it at a later time.

Building Strong Credit

Building a strong credit score ensures that you can maintain a strong profile for yourself.  By having a good credit score you are able to rent, buy, or qualify for contracts.

Monitoring your credit score on a regular basis is the mark of someone who is thinking about their future.  Stay on top of your score by making timely payments, not applying for too many credit cards at once, and not letting any delinquent payments go on your record!

Posted in: Finance