Claiming personal savings rates are the lowest they've been since the Great Depression, Yahoo Finance sets out to identify five signs that you're living beyond your means. For example: More Than 28% of Income Goes To Your House: Calculate what percentage of your monthly income goes toward your mortgage, property taxes and insurance. If it's more than 28% of your gross income, then you are likely in over your head. Photo by AMagill. Why is 28% the magic number? Historically, conservative lenders have used the 28% threshold because their experience has told them that this is the rate at which the average person can get by, make their mortgage payments and still enjoy a reasonable standard of living.The article also calls out low credit scores (below 600), low savings rates (below 5%), rising credit card balances, and escalating bills as other signs that you're living well beyond your means. Go read the details, and when you're done, let's hear whether or not—according to the article—you're living beyond your needs in the poll below. Are You Living Beyond Your Means? ( polls) Got more to say? Let's hear it in the comments. Five Signs That You're Living Beyond Your Means [Yahoo Finance]