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

I have debt that sometimes prohibits me from meeting my basic needs.

Working through survival credit card debt.

I have no access to savings.

I have no or very limited expendable income. I qualify for government assistance, including food stamps and healthcare.

My family does not have access to assets; I send money to my family when able.

I rent lower-end properties or have unstable housing.

I may stress about meeting my needs sometimes but I regularly achieve them.

I have some debt but it does not prohibit attainment of basic needs. May include student loans, and most people in my family have higher education.

I might have some savings.

I can take a vacation annually or every few years.

I have some expendable income; able to have some new items and some thrift.

My family has some assets, like owning a home. My housing is stable and mid- to higher-end.

I am able to meet all of my basic needs.

I may have some debt but it does not prohibit attainment.

I have access to savings and both earned and unearned assets.

I can afford an annual vacation and/or take time off without financial burden.

I have expendable income.

My family has assets like investments and property. Someone else contributes to my rent, mortgage, or down-payment.

I own my home and/or rent a higher-end property. I have or anticipate inheriting property. I own or lease a car.