This tier is ideal for budget-conscious individuals. Can afford essentials like groceries, utilities, and transportation without much room for extras. Are supporting children or other dependents. Often, they find themselves having financial stress. Are eligible for public assistance.

This tier caters to those with a bit more flexibility in their budget. Comfortable but mindful spenders who can afford occasional indulgences. Indulge in occasional dining out or entertainment. Travel somewhat recreationally on a budget. Have a secure source of income. Are single or without dependents.

This tier is ideal for individuals who have the means to indulge in high-end experiences and have the means to financially "pay it forward." They can prioritize quality and luxury experiences, enjoy fine dining multiple times a month, travel recreationally frequently, and utilize premium services without significant financial strain. They own the home that they live in. They have investments, property, a retirement account, or inherited money.