LRLiving Rights IQLiving Rights IQ
Example Analysis · Illustrative Household

The Rivera family,
working full-time in Cleveland.

A composite household built from public BLS, KFF, and HUD averages. No real person's data is shown — this is what a complete Living Rights IQ analysis looks like end to end.

Household
2 adults · 2 children
Location
Cleveland, Ohio
Earner
$19.50 / hr · 40 hrs
Coverage
Employer plan · $520 / mo
Run my own analysis See the report format
Monthly Snapshot

What the math actually shows

Overall household status
Significant pressure
Significant pressure
Net income
$2,857
Essential expenses
$5,585
Remaining / month
-$2,728
Hourly cost of essentials
$32/hr
Share of take-home pay covering essentials
195%
Emergency cushion
11/100
Household pressure score
100/100
Affordability
HealthcareCritical
Dental careCritical
Household stability check
✕Can afford rent / housing
✕Can afford healthcare
✕Could absorb a $1,500 dental cost
✕Could cover a $1,000 unexpected cost
✕Childcare fits within household balance
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Regional Context

How the Riveras compare to Ohio averages

Regional Cost Context

Your numbers versus Ohio

Estimates derived from MIT Living Wage Calculator, HUD Fair Market Rent, BLS Consumer Expenditure Survey, and KFF healthcare data for a household of 4.

Cost of living index
91
100 = U.S. average · Ohio
Housing vs fair market
+$270
Regional FMR $1,180 / mo
Healthcare vs regional avg
-$625
Regional avg $1,240 / mo
Living wage gap
+$0.90/hr
Regional living wage $18.60/hr
Income-to-needs affordability ratio51%
1.00 (100%) means net income exactly meets regional essentials for this household size. Below 1.00 indicates an income-to-needs gap in Ohio.
Emergency Simulation

What happens if one thing goes wrong this month?

With $640 in emergency savings and a $2728 monthly shortfall, here is how a single unplanned cost would land.

$1,500
Dental emergency
Savings after-$860
Month ends at-$3,588
$2,200
ER visit (deductible)
Savings after-$1,560
Month ends at-$4,288
$1,850
Car transmission repair
Savings after-$1,210
Month ends at-$3,938
$780
Lost week of work
Savings after-$140
Month ends at-$2,868
AI Dignity Report · Sample Narrative

A plain-language summary, written for the family

Executive Summary

A working household at the edge of stability, not yet in collapse.

The Rivera household earns roughly $3,377 before taxes each month from a single full-time job. After taxes, take-home pay is $2,857. Essential expenses — housing, utilities, food, transportation, healthcare, childcare, and minimum debt payments — total $5,585.

That leaves -$2,728 of remaining margin in a typical month. Healthcare alone consumes 22% of net income, placing this family in the critical range. A single $1,500 dental emergency would push savings below zero.

This is not a crisis profile — it is a fragility profile. The family is working, paying taxes, raising children, and is one unplanned cost away from a deficit month.

Generated by the Living Rights IQ AI Gateway · narrative tuned for empathy and accuracy · cites public data sources in the full PDF.
Nonprofit match
Apply for Ohio Medicaid Family premium assistance
Based on household size and income, this family likely qualifies for partial premium offsets through the Ohio Department of Medicaid.
Nonprofit match
Sliding-scale dental clinic — MetroHealth Cleveland
Federally Qualified Health Centers in Cuyahoga County offer dental care priced on a sliding income scale.
Nonprofit match
United Way 211 emergency fund referral
One-time emergency assistance for utilities and rent shortfalls when an unplanned cost lands in a deficit month.
The real report includes regional nonprofits, clinic phone numbers, and a downloadable PDF you can take to an advocate or caseworker.
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