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not living paycheck to paycheck
having money in the bank as well as a separate emergency fund thats for just that emergencies, not taking money from your retirement fund
being able to pay more then the minimum balance on your credit cards, and completely paying them off at least once a year
having a basic understanding of what each loan you take out means both in terms of what the language in it says as well as knowing that you won't be able to buy the new 80$ video game your kid wants every week
this is not to say that I am fiscally responsible only what it means to me, as I live now I am not fiscally responsible
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