live pay check to pay check, no savings

college loans

live with their parents.

Can't afford to have kids

Same opinion as that of another denizen of our Commonwealth ...

living with parents.

Don't or can't balance their checking account.

Have credit card debt

Have not established a savings plan

Don't worry about their credit score

Don't realize how much a jar of loose change can add

Have no idea how much groceries really cost

don't go to the doctor

Thought about the future - retirement savings.

Are financially independent.

Have any type of education about finances or budgeting.

Have a savings account.

Rusty

Are one paycheck away from "broke"....