You Have a Fully Funded Emergency Fund – Most Americans struggle with unexpected expenses, but if you have 3-6 months of expenses saved, you’re ahead.
You’re Debt-Free (or Have Low Debt) – If you’ve paid off credit cards, student loans, or car loans—or at least keep debt manageable—you’re in a strong position.
Your Net Worth Is Growing – If your savings, investments, and assets are increasing over time, you’re financially ahead of many.
You Can Afford Big Expenses Without Stress – If buying a car, home, or taking vacations doesn’t put you in financial strain, you’re doing better than most.
You Consistently Invest for Retirement – Many Americans don’t invest enough, so if you regularly contribute to a 401(k), IRA, or brokerage account, you’re ahead.
Your Credit Score Is Above 700 – A high credit score means you qualify for better loans, lower interest rates, and financial flexibility.
You Don’t Live Paycheck to Paycheck – If you have financial breathing room and aren’t relying on your next paycheck to survive, you’re in a better spot than many.