You can read clearance hearing/appeal decisions for contractors[1] to see some of what goes into it. On the money part specifically it’s less the raw status of your bank account and more how you’re handling debt and delinquency if at all.

On a topical note, a not-uncommon issue is failing to pay income tax or file a tax return :p the result of those appeals depended on if and how the appellant tried to resolve that.

[1] https://doha.ogc.osd.mil/Industrial-Security-Program/Industr...