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

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

I rent lower-end properties or have unstable housing

I do not have a car and/or have limited access to a car but I am not always able to afford gas

I am unemployed, underemployed or living on a fixed income

I qualify for government assistance including food stamps & health care

I have no access to savings

I have no or very limited expendable income

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

I (or a loved one or dependent) live with a disability or chronic illness which interferes with my ability to work and/or uses a large portion of my resources.

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 own or lease a car (or could if I chose to)

I am employed or retired with retirement benefits that easily meet my basic needs

I have access to health care

I might have access to financial savings

I have some expendable income

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

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

I am comfortably able to meet all of my basic* needs

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

I own my home or property OR I rent a higher-end property

I own or lease a car (or could if I chose to)

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

I have regular access to health care

I have access to financial savings

I have an expendable** income

I can always buy new items

I can afford an annual vacation or take time off