I have an income that well exceeds my essential expenses.

I regularly add to savings, investments, or retirement.

I can afford extra expenses for leisure, and personal or professional development without impact on other priorities.

I can always afford new items.

I can frequently make large purchases without financial concern.

I can regularly support others financially through donations or mutual aid.

I have an income that usually exceeds my essential expenses.

I can usually save.

I can usually afford extra expenses for leisure, and personal or professional development with light planning.

I can usually buy new items and rarely rely on used items due to cost.

I can often make large purchases with careful planning.

I can support others financially through donations or mutual aid.

I sometimes stress about meeting my essential expenses, but generally makes it work.

I can sometimes afford extra expenses for leisure, and personal or professional development with careful planning and some tradeoffs.

I can sometimes buy new items and sometimes thrift others due to cost.

I have little to no savings and would struggle to make a large, unplanned purchase.

I am consistently under financial strain and often struggle to meet my essential expenses.

I am unable to save.

I rarely consider extra expenses for leisure, and personal or professional development due to cost.

I rarely buy new items due to cost.

I have no savings and cannot make large purchases.