This financial stage is all about survival.  If you are in this stage you have debt and are struggling to budget and save.

This financial stage means you are making good financial progress like saving for retirement and building an emergency fund.  It means you're aware of your finanaical issues and taking care of them.

This financial stage means you have made good decisions to set yourself up for a great financial future.  You have an emergency fund and are intentional about your savings goals in order to get ready for retirement.

This financial stage means you have completely readjusted your thoughts on money.  You can give back while still preparing for the future and you're ready for retirement.