-I frequently stress about meeting basic needs and don’t always achieve them.

-I have debt that sometimes prohibits me from meeting my basic needs.

-Working through survival credit card debt.

-I have no access to savings.

-I have no or very limited expendable income. I qualify for government assistance, including food stamps and healthcare.

-My family does not have access to assets; I send money to my family when able.

-I rent lower-end properties or have unstable housing.

Price: $0-$75 per hour.

-I may stress about meeting my needs sometimes but I regularly achieve them.

-I have some debt but it does not prohibit attainment of basic needs. May include student loans, and most people in my family have higher education.

-I might have some savings.

-I can take a vacation annually or every few years.

-I have some expendable income; able to have some new items and some thrift.

-My family has some assets, like owning a home. My housing is stable and mid- to higher-end.

Price: $75-$125 per hour.

-I am able to meet all of my basic needs.

-I may have some debt but it does not prohibit attainment.

-I have access to savings and both earned and unearned assets.

-I can afford an annual vacation and/or take time off without financial burden.

-I have expendable income.

-My family has assets like investments and property. Someone else contributes to my rent, mortgage, or down-payment.

-I own my home and/or rent a higher-end property. I have or anticipate inheriting property. I own or lease a car.

Price: $125-$175 per hour.