Consider this tier if you:

• own the home you live in
• haven’t checked your bank account before making food/coffee purchases in recent memory
• are financially able to travel for leisure

Consider this tier if you:

• are able to pay your bills with relative ease
• do not struggle to meet your basic needs
• own a car or have access to reliable transportation

Consider this tier if you:

• are eligible for public assistance
• are burdened with significant medical expenses and/or debt
• are a single parent/caretaker of dependent(s)