I am comfortably able to meet all of my basic needs (like food, housing, and transportation)

I am employed or do not need to work to meet my needs

I have access to expendable income (this might mean you’re able to buy some fun stuff, or new clothes every month without worry)

I have access to financial savings

I can always buy new items

I can afford an annual vacation or to take time off

I may stress about meeting my basic needs but still regularly achieve them

I may have some debt but it does not prohibit attainment of basic needs

I am employed

I have some expendable income

I might have access to financial savings

I am able to buy some new items & I thrift others

I can take a vacation almost annually or every few years without financial burden

I frequently stress about meeting basic needs & I don’t always achieve them

I have debt and it sometimes prohibits me from meeting basic needs

I rent lower-end properties or have unstable housing

I am unemployed or underemployed

I rarely buy new items because I am unable to afford them

I cannot afford a vacation or have the ability to take time off without financial burden