— I can comfortably afford food, housing, health care, and transportation

— My race, ethnicity, gender, or disability status does not impact my income

— I own a home or can reliably afford rent

— I own or lease a car

— My financial freedom allows me to self-select my employment status

—I have a degree without having student loans

—My debt doesn’t prohibit me from meeting my basic needs

—I have investments, savings accounts, or access to inheritances or generational wealth

—I have regular access to health care and/or out-of-network health insurance benefits

—I can afford an annual vacation or to regularly take time off

—I have expendable funds for recreational pleasures like travel, hobbies, new clothes, dining out, etc.

*Please consider a rate on the border of the Upper and Lower Tiers if: many of the Upper Tier factors apply but some of the time they don’t. For example:

—I may stress about meeting my basic needs but still regularly meet them

—I might have access to some financial savings

—I can take a vacation every few years or so without financial burden

—I have expendable funds for recreational pleasures, but I have to be strategic about those expenses. For instance, if I want new clothes, I may need to thrift them

— I frequently stress about affording food, housing, health care, and transportation, and can’t always afford them

— I am likely to experience violence or discrimination because of my race, ethnic heritage, gender, sexuality, or disability status

— I struggle to make my rent or have unstable housing

— I don’t have a car and rely on others or public transportation, and often don’t have money for gas or travel expenses

— My basic needs require me to maintain employment

— My debt sometimes prohibits me from meeting my basic needs

— I have no access to savings

— I live with a chronic illness or long-term disability that impacts my finances

— I have responsibilities as a caretaker that impact my abilities to meet my own needs

— I qualify for government assistance like food stamps and healthcare

— I can’t afford a vacation or to take time off without financial burden

— I have no or very limited expendable funds for recreational pleasures like travel, hobbies, new clothes, dining out, etc.

— I am unemployed or under-employed

— I regularly struggle to sustain my basic needs like food, housing, health care, and transportation.

— I am currently accruing survival credit card debt

*Please ask or check availability for free or low-fee group and workshop offerings!

See the Resources page for other offerings in the community.