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My/Our Financial Cup Runneth Over

• • • I am employed or retired with income and wealth that more than meets all my basic needs (food, housing, transportation, health)
• I may have some debt but it doesn’t impact my financial choices in any way.
• I may own more than one property and/or I have other investments.
• My household can afford several vehicles. And I often fly business or first class.
• I never have to avoid medical care due to finances.
• I often eat meals out at good restaurants and subscribe to theater, the symphony, the ballet and/or the opera.
• I can buy clothes whenever I choose.
• I can afford vacations to exotic places and take time off when I need it (if I’m employed).

My/Our Financial Cup is Full

• I am employed or retired with enough income to always meet all my basic needs (food, housing, transportation, health)
• I may have some debt but it doesn’t impact my financial choices.
• I own my own home OR I rent a higher end property by choice. I may own more than one property.
• My household owns or leases at least one car.
• I have adequate access to health care, and do not avoid medical care due to finances.
• I have enough extra income to afford meals out, the movies or a concert, new clothes, etc. when I choose.
• I can afford vacations and take time off when I want it (if I’m employed).

My/Our Financial Cup is Adequate

• I am employed or retired with enough income to usually meet all my basic needs (food, housing, transportation, health)
• I may have some debt but it doesn’t impact obtaining my basic needs.
• I own or lease a car.
• I have adequate access to health care, and do not avoid routine medical care due to finances.
• I have some financial savings (am not living paycheck to paycheck).
• I have enough extra income to occasionally afford meals out, a concert or a movie, new clothes, etc. without going further into debt.
• I can take a vacation annually or every few years without going further into debt.

My/Our Financial Cup is Low

• I struggle to meet my basic needs (food, housing, transportation)
• I have enough debt that it impacts my capacity to meet my basic needs.
• I pay below median rent, live in subsidized housing or have unstable housing.
• I can not afford a car.
• I am unemployed or under-employed.
• I qualify for government assistance for my basic needs.
• I have no savings.
• I am unable to afford meals out, a concert or a movie, new clothes, etc.
• I can not afford vacations or to take time off from work without a financial burden.