 financially responsible person you're not savings you don't have savings you're not investing for retirement you are carrying debt you're still getting into debt right all of those things that we teach you to do you're not setting your family up and your children up long term for college and things like that so that's kind of what I would place it in as far as what I would consider a person being broke or trying to gauge if a person is somebody that you don't want to take advice from wealth is not income