LIVE STREAM ONLY – 3:00

“I may stress about meeting my basic needs, but still regularly achieve them. I may have some debt, but it does not prohibit attainment of basic needs. I have access to a car and can afford gas, or I can afford public transport and often private transport. I am employed or self-employed. I have some financial savings. I have some expendable income. I have access to healthcare. I can take a vacation annually, or every few years without financial burden.”