Your checkbook has yellow caution tape wrapped around it 鈥 or it should. You鈥檙e living paycheck to paycheck. Some monthly bills aren鈥檛 getting paid on time and debt collectors are beginning to call. 鈥淎t this level, you should start to make changes in your personal financial situation,鈥 says Feeney. 鈥淥ne way to start is to find a good financial planner or attorney,鈥 who can help identify your debt and then find a way for you to pay it off.

Illustration by Jake Turcotte / 海角大神
You're in the yellow zone if you're living paycheck to paycheck. Time to make some changes.