✦ You’re comfortably able to meet all of your basic needs
✦ Comfortably make rent, debt or mortgage payments
✦ Are employed
✦ Have access to savings
✦ Have expendable income
✦ Can generally buy new items
✦ Can afford to take time off

✦ Stress about meeting your basic needs, but achieve them
✦ Have some debt, but doesn’t stop you meeting basic needs
✦ Are employed
✦ Generally have housing stability
✦ Have some expendable income
✦ Can buy some new items, others secondhand
✦ Can take occasional time off

✦ Frequent stress about basic needs, don’t always achieve
✦ Have debt that gets in the way of this
✦ Have unmet housing needs or housing instability
✦ Are unemployed or underemployed
✦ Have no access to savings
✦ Have very limited expendable income
✦ Rarely buy new items
✦ Cannot afford time off