Tier 1:

I…

• Comfortably able to meet all of my basic needs.

• May have some debt but it does not prohibit attainment of my basic needs.

• Own my home/property or rent a higher-end property

• Own my own car or lease

• Am employed or don’t need to work to meet my needs.

• Have regular healthcare

• Have access to savings

• Have expendable income

• Can always buy new things

• Can afford to take an annual vacation or take time off

Tier 2:

I…

• May stress about meeting my basic needs but still regularly can

• May have some debt but it doe not prohibit attainment of basic needs

• Own or lease a car

• Am employed

• Have access to healthcare

• Might have some expendable income

• Am able to guy some new and some thirfted items

• Can take a vacation annually or every few years

Tier 3:

I…

• Frequently stress about meeting my basic needs and don’t always achieve them

• Have debt and it sometimes prohibits attainment of basic needs

• Rent lower-end property of have unstable housing

• Do not have a car or access to transportation

• Un(der) employed

• Have no access to savings account

• No expendable income

• Qualify for food stamps and state healthcare

• Rarely buy new things

• Cant afford vacations due to financial burden