The absence of anxiety when something expensive needs to be fixed or replaced.
Not having to worry about how close to payday it is.
Financially stable does not scream.
Not knowing the current price of gasoline or milk. That's when I knew I had reached stability, when I didn't pay attention to what the gasoline cost when choosing where to fill up.
paying all your bills the day they come in the mail (for us oldies), or setting up autopay and never worrying about whether there is actually money in the checking account to cover
I would honestly say nothing aside from being able to see their bank statements and investment portfolio. I have seen a lot of people with the nice suits, homes, cars, or all the lastest gadgets but in reality it was all a front for someone in serious debt but too obsessed with their self imagine to save themselves by cutting back.
Nothing really does, because so much of it is a facade. The wealthiest man I know drove a 12 year old truck and dressed like a clean hobo. And some of the fancy homes around here are financed beyond the hilt. Appearances really, really are deceiving.
Having all your bills on autopay/autodraft because you know there will be enough money in your account no matter when the bill is due or how much it is.
the tv shows where people pay 1 million dollars to renovate a single room
im over here deciding which 2 out of 3 pants from target I should pick to buy cuz thats all I can afford
Casually picking up a meal for a friend/family member.
Not being excited for pay day
Business attire and a Honda Civic.
Having a retirement savings plan
This post is mostly pertaining to women.
With personal appearance, it basically comes down to quality vs. quantity and it can be subtle. She may not have a ton of trendy pieces in her wardrobe, or any obvious beauty treatments that require regular salon visits. But she is well-groomed overall and her wardrobe is made of high-quality, relatively timeless pieces.
She'll never throw out name brands when you compliment or ask about her clothes either. But she will happily tell you "I got it at (bargain store)!" "It was on sale!" or even "I got it at a thrift store!"
If you work with a financially stable person, you will rarely see them buying coffee or lunch, or bitching about how much they spent on x this weekend and now they have to stretch themselves to make it to the next payday. They will also have saved enough money to use their vacation days to actually travel.
Most financially stable people I know come from fairly modest means and had to work to get where they are in life. So they tend to be more considerate of the less financially stable people in their lives than, say, the people who are financing everything or the people who were born into wealth and have little concept of saving. So if given the chance to suggest something for a group activity, the financially stable person will pick something free or cheap, might even offer to entertain at his/her place. But they will pretty much never try to get everyone to go out for an expensive dinner followed by barhopping.
Owning a home in a preferred town with high property taxes.
(Who is downvoting this original post? It's a good question.)
It varies a lot by person. I've seen many types of wealthy people, from the coupon bargain hunters to the ones who splurge on everything. If I had to pick a few traits that are common amongst all of them:
1) Budgeting. If it isn't a formal budget they track, its an overall knowledge of how much disposable income they can spend a month. People who are financially stable have a general sense of their financial position and what they need to do to grow/maintain it.
2) Invests monthly into retirement plans.
3) Carries zero or near-zero credit card debt. Meaning you swipe your card and then pay it off within a few days to a week. Don't collect credit card interest.
4) Typically, although not always, they are the ones who are the most quiet. Loud egotistical types are the ones who go out and spend all their money.