You will be able to control your money if you have multiple figures. Most important is your spending. Which amount do you currently spend and which do you expect to be spending? Although this sounds daunting, it’s worth understanding your take-home income and what percentage you spend each month or annually. You can then calculate how much you are saving.

When projecting your retirement burn rate, keep in mind that you won’t spend less. Experience has taught us that the spending on travel, healthcare, and living longer doesn’t decrease as dramatically as we think.

Lastly, know your asset values across all your accounts — not just retirement, checking, and savings — and how you’re currently invested. It is best to keep this information together so you are able to check it regularly, either semiannually or every year. A variety of online financial tools can be used to help you stay on top.

Although it is not something that anyone likes to consider, it’s important to be prepared for the worst. Assuming you are still building wealth and not spending it, build a reserve of cash to pay six months’ expenses.

Many women already own life insurance, but don’t forget about other types of protection like short-term and long-term disability — especially if you’re the breadwinner. The chances of you being able to tap into a disability policy is higher than it seems. The Social Security Administration states that a 20 year old has 25% of the chance of being disabled by age 67, while a person of similar age will die.

Even these two policies don’t suffice. Long-term insurance and an umbrella policy covering property and casualty might be options. And if you purchased insurance more than five years ago, revisit your policies — pricing and product features change.

As many people “Marie Kondoed” their homes, Tidying started to take off in the wake of the pandemic. How about organizing and managing your financial environment? This means you need to know who your advisors are and where your accounts can be accessed. To keep track of all the passwords, you might consider using a password management application. It is essential to secure this data in your search for your number.

Next gather all necessary documents for estate planning (trusts, wills etc.). You should also understand when they come into effect. Check them every three to five years, or when changes occur such as births, deaths, marriage, or divorce — or as external factors such as rising rates, inflation or tax laws evolve. You should also create an eldercare plan, and share it with your family. HBO’s “Succession,” a hit series, is an excellent reminder of the difficulties that can occur and how many people don’t know what to do if their parents are incapacitated.

To be available for you as your financial needs change, create a group of trusted financial advisors. Establish a relationship with trusted professionals you trust and feel at ease with. This is especially crucial in households where there are divisions and conquer.

If only one member of your relationship meets with an advisor, ensure that the team is compatible with you both. BCG found that nearly one third of women dissatisfied with current wealth advice reported to them by BCG. This was largely due to the fact that almost all said their relationship managers treated them differently based on their gender.

One-stop shopping is a good idea. Although it sounds convenient in theory, this is rarely practical. You’ll likely need a separate tax professional, attorney (which type depends on your life stage), financial advisor and insurance professional — though they should connect and coordinate seamlessly on your behalf.

Even if you are “inheriting” a team member, it is possible to modify the rules and make it yours. No matter where you are seated, it is your right to speak up for yourself and be an advocate.