Underearners are people with viable skills who are psychologically incapable of earning enough money to support themselves without incurring unsecured debt. DA provides a list of 12 signs that are symptomatic of compulsive underearning. Underearning can lead to become a "compulsive pauper," a term describing people who are consistently broke and in financial crisis. A related term, "financial anorexia," describes "someone who takes inordinate amounts of pride in having few financial needs and is more comfortable living in deprivation." Financial , while they may find it difficult to spend money on themselves, are not necessarily underearning. Although compulsive underearners may not actually be in debt, if they have a desire to avoid incurring unsecured debt, they are welcome in DA.