Stage 0 - Complete Financial Dependence
Active Cash Flow < Lifestyle Cost
Anyone whose active income (salary) cannot cover their lifestyle, and relies on family, friends, or a welfare check to support themselves are at Stage 0. This is where everyone starts out, but Stage 0 isn’t just limited to children living at home.
The only way out of Stage 0 is to increase your income or reduce your Burn until you can support yourself. There is no other way.
danger
Get out of this stage as fast as possible!
Increase your Savings Rate