Struggling to make minimal payments on high-interest debt indicates financial distress.
Not saving for emergencies can cause financial instability.
Consistently missing bill and payment deadlines may signal cash flow issues.
Frequent bank account overdrafts indicate inadequate budgeting and financial management.
Using your retirement assets or 401(k) for living costs is concerning.
Using all your credit cards may indicate that you are living beyond your means.
Relying on payday loans with high interest rates is a sign that you're struggling to meet your financial obligations.
Cutting back on savings or investment contributions may indicate financial difficulty.