own the home you live in

have investments, retirement accounts, inherited money or more than an emergency fund savings account

travel for recreation

have access to family/network money in times of need

work part-time or are unemployed by choice including unemployment due to full-time school in a degree-earning program

possess a high degree of earning power due to level of education, title, or gender and class background, etc - make significant tax deductible donations

are single or without dependents

have multiple people contributing to your needs being met - are in repayment or have already paid off long standing debts

have private/employer health insurance + other benefits

have access to reliable transportation

are able to miss work due to sickness or relaxation and still pay next month’s bills

travel when needed, especially for an unexpected event (funeral or emergency)

able to maintain “non-essentials” such as subscriptions + cosmetic appointments

are supporting children or other dependents

have significant debt

have medical expenses not covered by insurance

are eligible for public assistance

are an elder or on disability with limited financial support

are a returning citizen who has been denied work due to incarceration history

support your community through unpaid labor/services

experience discrimination in hiring or pay level

experience inconsistency paying bills due to self-employment or underpaid work