A crucial step in planning a career change relates to the current status of your personal finances. One career counseling expert recently said that less than half of Americans plan their careers and spend more time planning their vacations. It does not matter whether you intend to change jobs soon or even considering a career change, it is wise to be in a position to make a change, planned or unplanned. Whenever change happens, if your personal economy is a disaster then the job change may be disastrous as well. But you have to know where you stand today if you ever hope to get on the road to financial stability and be able even to consider making a job or career change.