A question associated with the saving component of financial planning is:

The question would be, Do you have an adequate emergency fund?

Explanation:

When an individual or a company is evaluated on the basis of its current income and a plan is made for its future finances, to predict future income, assets, finances, etc, it is called as the Financial Planning.

The most important question to be asked while planning for finances is, Do you have an adequate amount of emergency funds? This is because it is always necessary to have some funds reserved for emergency purpose. Planning your finances without reserving amount for the emergency is useless. So it is most important to have an adequate amount of money or funds reserved for the emergency situations.