Here's a breakdown (Level 1 & 2) using U.S. demographics for income, savings, credit, and net worth to see where most people are today.

#1 Clarity (Clear vision of financial goals): Estimated Percentage: 68% Rationale: We'll keep your initial estimate here. While a minority of Americans have a formal financial plan, many may still have a general sense of their goals, even if not fully articulated. This includes things like wanting to own a home, retire comfortably, or provide for their children's education. 

#2 Self-Sufficiency (Ability to support oneself): Estimated Percentage: 80% Rationale: While the poverty rate is around 11.6%, many above the poverty line struggle. Factors like high debt, reliance on government assistance, and lack of savings erode true self-sufficiency. This estimate accounts for those living paycheck to paycheck with little financial cushion. Data on Americans Paying for Their Cost of Living: Around 11.6% live below the poverty line, likely struggling to meet basic needs. A significant portion of Americans rely on some form of government assistance (SNAP, housing subsidies, etc.), even if they are technically above the poverty line. Data from the Federal Reserve shows that 40% of Americans would struggle to cover a $400 unexpected expense. This highlights the lack of financial security for a substantial portion of the population.