Bills, meaning normal monthly bills like groceries, gas, water gas and power etc..
Debt, meaning the big bills like credit cards, student loans, bike payments.
Luxury, meaning the fun stuff like guns, hookers and blow, or whatever your hobbies might entail.
![Wink :wink:](./images/smilies/icon_wink.gif)
Feel free to participate you crazy non-Americans, but please indicate you are not American if you do vote and if it is not widely known. Thanks.
Edit: Added Savings and Investment to the Luxury option.