You understandhow your pensionor Social Securitybenefits willimpact yourretirement.You have awill orestate planin place."You make a listbefore groceryshopping toavoid impulsebuys."You track yourmonthlyexpenses tosee where youcan cut back.  "Youcontribute toa retirementsavingsplan.""Youregularlycheck yourcredit score."You set asidemoney eachmonth forunexpectedexpenses (likecar repairs).You have anemergencysavings fund withat least threemonths' worth ofexpenses.You track yourspending usinga smartphoneapp orspreadsheet.You have a planfor how you’llmanage yourfinances in case ofa long-term illnessor disability.You diversifyyourinvestments(stocks, bonds,real estate, etc.)to reduce risk.You avoidimpulsepurchases bysticking to ashopping list.You have afinancial advisoror trustedresource youconsult for majordecisions.You shoparound for thebest interestrates whenapplying forloans.You usecoupons or lookfor sales beforemaking majorpurchases."Youcompareprices beforemaking largepurchases.""You have anemergencyfund for threemonths of livingexpenses."You regularlyreassess yourinsurancecoverage toensure you'readequatelyprotected.You compareprices beforemaking a big-ticket purchase,like appliancesor electronics.You have astrategy forpaying off high-interest debtfirst (like creditcards).You contributeto a tax-advantagedretirementaccount (like a401k or IRA)."You use abudget totrack yourmonthlyexpenses."You use automatictransfers to putmoney intosavings orretirementaccounts.You review yourbankstatementsregularly toavoid errors orfraud.You understandhow your pensionor Social Securitybenefits willimpact yourretirement.You have awill orestate planin place."You make a listbefore groceryshopping toavoid impulsebuys."You track yourmonthlyexpenses tosee where youcan cut back.  "Youcontribute toa retirementsavingsplan.""Youregularlycheck yourcredit score."You set asidemoney eachmonth forunexpectedexpenses (likecar repairs).You have anemergencysavings fund withat least threemonths' worth ofexpenses.You track yourspending usinga smartphoneapp orspreadsheet.You have a planfor how you’llmanage yourfinances in case ofa long-term illnessor disability.You diversifyyourinvestments(stocks, bonds,real estate, etc.)to reduce risk.You avoidimpulsepurchases bysticking to ashopping list.You have afinancial advisoror trustedresource youconsult for majordecisions.You shoparound for thebest interestrates whenapplying forloans.You usecoupons or lookfor sales beforemaking majorpurchases."Youcompareprices beforemaking largepurchases.""You have anemergencyfund for threemonths of livingexpenses."You regularlyreassess yourinsurancecoverage toensure you'readequatelyprotected.You compareprices beforemaking a big-ticket purchase,like appliancesor electronics.You have astrategy forpaying off high-interest debtfirst (like creditcards).You contributeto a tax-advantagedretirementaccount (like a401k or IRA)."You use abudget totrack yourmonthlyexpenses."You use automatictransfers to putmoney intosavings orretirementaccounts.You review yourbankstatementsregularly toavoid errors orfraud.

FINANCIAL DECISION BINGO - Call List

(Print) Use this randomly generated list as your call list when playing the game. There is no need to say the BINGO column name. Place some kind of mark (like an X, a checkmark, a dot, tally mark, etc) on each cell as you announce it, to keep track. You can also cut out each item, place them in a bag and pull words from the bag.


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  1. You understand how your pension or Social Security benefits will impact your retirement.
  2. You have a will or estate plan in place.
  3. "You make a list before grocery shopping to avoid impulse buys."
  4. You track your monthly expenses to see where you can cut back.
  5. "You contribute to a retirement savings plan."
  6. "You regularly check your credit score."
  7. You set aside money each month for unexpected expenses (like car repairs).
  8. You have an emergency savings fund with at least three months' worth of expenses.
  9. You track your spending using a smartphone app or spreadsheet.
  10. You have a plan for how you’ll manage your finances in case of a long-term illness or disability.
  11. You diversify your investments (stocks, bonds, real estate, etc.) to reduce risk.
  12. You avoid impulse purchases by sticking to a shopping list.
  13. You have a financial advisor or trusted resource you consult for major decisions.
  14. You shop around for the best interest rates when applying for loans.
  15. You use coupons or look for sales before making major purchases.
  16. "You compare prices before making large purchases."
  17. "You have an emergency fund for three months of living expenses."
  18. You regularly reassess your insurance coverage to ensure you're adequately protected.
  19. You compare prices before making a big-ticket purchase, like appliances or electronics.
  20. You have a strategy for paying off high-interest debt first (like credit cards).
  21. You contribute to a tax-advantaged retirement account (like a 401k or IRA).
  22. "You use a budget to track your monthly expenses."
  23. You use automatic transfers to put money into savings or retirement accounts.
  24. You review your bank statements regularly to avoid errors or fraud.