As a financial planner, I’ve had dozens of conversations with mid-career tech professionals across the San Francisco Bay Area. On paper, most of them are doing great: strong incomes, solid careers, and stable finances.

But the same questions keeps coming up:

• “Am I actually on track?”
• “Am I missing anything?” 

In the SF Bay Area, this is especially tricky. High compensation doesn’t always translate into real financial progress—between taxes, housing costs, lifestyle inflation, and equity comp that can swing wildly year to year, it’s easy to feel unsure even when you’re doing “everything right.”

That’s why I put together a shortlist of 8 key financial ratios (with ideal target ranges) that can help you quickly assess your financial health across three areas:

1. How well am I using my income?
2. Am I on track with my savings?
3. How well am I managing my risk?

Think of these ratios as a financial dashboard: you don’t need perfection across the board—but if a few metrics are off track, you’ll know exactly where to focus.