At Cost

I can easily cover all my essential expenses, including food, housing, and transportation, without financial strain. Any financial stress I experience is unrelated to meeting these basic needs.

Any debt I have does not prevent me from covering essentials.

I have stable employment, or I am a stay-at-home caregiver by choice with a partner who is securely employed, or I do not need to work to maintain my lifestyle.

I live in a home that is comfortable, well-equipped, and spacious enough for my needs.

I own or lease a car and have the option to replace it with a newer model every few years if I choose.

I have reliable access to healthcare whenever necessary.

I maintain savings that I can draw from when needed.

I can purchase new items as desired.

I generally have extra income to spend on luxuries and indulgences.

I’m typically able to choose higher-quality or premium products when I prefer them.