Follow CBSMIAMI.COM: Facebook | Twitter 

MIAMI (CBSMiami) — Feel like you’re falling behind on your finances? Four out of five Americans say it’s harder to be in the middle class today than it was 25 years ago.

There are seven warning signs that things might be getting a little too tight, according to CBS MoneyWatch.

First, income falls below $36,000 dollars a year. This can vary depending on the cost of living state-by-state.

Second, a lack of a college degree could impact employment chances even if a job doesn’t call for it.

Third, people are eating into their savings.

Another sign of dropping out of the middle class is working more than one job. In some cases,  people are holding several jobs because they can’t find full-time work.

Also, not being able to afford a vacation and relying on loans and credit-card debt to keep up are other tell-tale signs of slipping out of the middle class.

And finally, simply worrying about falling behind indicates it could be happening.