May be right for you if you struggle to maintain access to needs such as healthcare, housing, food, and childcare. This price point is also appropriate for those living paycheck to paycheck without consistent income/relief, or if you are in significant debt.

May be right for you if you are struggling to pay off debt, build savings, or move away from living paycheck to paycheck, but still have access to a steady income and are not spending most of your time thinking about meeting basic needs such as food, shelter, medical care, childcare, etc.

May be right for you if you have access to financial security/wealth—i.e. own property, or have personal savings/disposable income and do not generally worry about securing necessities.