Maybe it’s the rising costs of gas, food, and housing. Perhaps it’s the fact that salaries aren’t growing as quickly as inflation. Or maybe it’s just a constant pressure to keep up with the Joneses. No matter what the reasons, many Americans are living far beyond their means—and digging themselves deeper and deeper into debt. According to the U.S. Commerce Department, in recent years the nation has seen some of the lowest personal savings rates since the Great Depression. Have you become accustomed to a lifestyle you can’t afford? Take our quiz to find out if you’re living beyond your means.