Signs that you live above your income and solutions

Today, I am writing on the sure ways to know you clearly live above your income (ie if you have any) or your means. I am writing on this because from everyday observations and interactions, I have discovered that most people especially the youths actually consume more than they earn. The ones with the least income are the ones who consume the most. Don’t get me wrong dear, I know its your life and you can do whatever it is you like and I am not judging you too but we all need a sense of direction at some point in our lives… Yes we all do because no one knows it all! I want to ask you a question, and I need an answer!