Below are some statements to contextualize need. Not every statement may fit you, pick what's closest. Higher rates support subsidized ones, and the world goes round and round.
Food and medical care are a challenge to access and afford. I'm between stable housing and / or employment.
Money goes toward immediate needs and I have no extra income or savings.
I don't have a safety net. I might be undocumented.
We're just starting out, or aren't making profit.
We might be volunteer-run, but we strive for better.
I am housed and employed. I have healthcare and enough food.
I can meet my needs but don't have savings or much extra income.
I don't have a safety net of friends and family to help me in an emergency.
We can meet our expenses, but only just.
Our highest paid employees make $10-20k/year or less.
I have access to adequate food, reliable transportation, stable housing, and healthcare.
I can afford things like coffee shops, concerts, gym memberships, and pets. I might even have savings.
I have a safety net for unexpected expenses.
We get paid enough to sustain ourselves and cover expenses.
Our highest paid employees make between $30-$50k.
I can meet my basic needs and even have money left over afterwards.
I can afford to go out multiple time a month. I can travel for fun. I have comfortable savings, and I might invest.
I have financially stable family and friends.
We have a healthy financial cushion and longevity plan.
Our highest paid employees make >$60k.