Signs you're flirting with financial ruin
You have a savings rate of zero
If you're unable to set aside a small amount of money for savings in your budget, your finances are on unstable footing, Boucher said.
"Savings is an expense, and it's something that should be budgeted for just like any other expense," Boucher said. "What's going to happen is something is going to come along -- an unexpected car repair or a home repair or an interruption in income -- and you're going to be in a very bad place."