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'Thrown into adulthood without a map': Americans share why they live paycheck to paycheck

"Lord help you if you don’t have dental insurance and need root canals."

broke, bills, paycheck to paycheck, scared woman, finances, american life

A woman and her husband doing their bills.

It’s a little tricky to determine how many Americans live paycheck to paycheck because the term is vague. Some people, who have plenty of money in savings, say they live paycheck to paycheck because they spend all of their money before their next check arrives. However, they make ample contributions to their savings accounts and are in good financial shape. Others genuinely spend every dime they make and have very little savings to deal with an emergency.

How many Americans live paycheck to paycheck?

The Federal Reserve found that 54% of Americans have emergency savings to cover three months of expenses, and Bankrate found that, while 59% of Americans are uncomfortable with their level of emergency savings, 34% are living paycheck to paycheck. According to CNN, the paycheck-to-paycheck problem isn’t getting any better. The drastic increase in the cost of living since the pandemic has a growing number of people living paycheck to paycheck.

A Reddit user recently tried to understand why so many people in the wealthiest country on Earth are financially stretched thin.

broke, bills, paycheck to paycheck, scared woman, finances, american lifeA couple who needs financial help. via Canva/Photos

Why are Americans living paycheck to paycheck?

“At first glance, it seems obvious: people just don’t make enough money, right? But the more I read and the more conversations I had, the more I realized that income is only one piece of a much bigger puzzle,” they wrote. “For a lot of Americans, the real issue is a mix of rising living costs, debt, and—most importantly—a lack of financial education. Most of us aren’t taught how to manage money. We don’t learn how to budget, save, plan for emergencies, or even think long term. Schools rarely touch on it, and if our families didn’t model strong financial habits, we’re basically thrown into adulthood without a map. So people just figure it out as they go — often by trial and error. And when that ‘error’ is maxing out a credit card or missing rent, the consequences are heavy.”

Over 1,100 people shared why they’ve lived paycheck to paycheck. It’s sad to see so many people struggling, but it paints a clear picture of a complex problem. We collected 13 of the best responses to the question: “What is the main cause of Americans living paycheck to paycheck?”

13 reasons why Americans are living paycheck to paycheck

1. One emergency to the next

"Bills. Lord help you if you don’t have dental insurance and need root canals. Which will always be followed by car repairs or home maintenance. There goes the emergency savings account."

"THIS !!! I was just starting to feel good! Caught up on bills, saving for emergencies, finally contributing to my retirement then a random light flashes on my Car dashboard. There goes all the emergency money I built up ………sigh it’s just always something."

2. Scarcity mindset

"For me it is largely scarcity mindset from a childhood of poverty. I learned that money doesn't stick around. If you have $100 then you need to spend it on what it needs to go to or something else will 'eat it.' Some fee, or unexpected cost will always be around the corner, and there is never enough money to do everything, so spending us constantly triage."

"This is 100% the difference in the mindset of poor people and rich people. Poor people think of money as just something to spend. Rich people think of it as something to accumulate and put to work for themselves."

broke, bills, paycheck to paycheck, scared woman, finances, american lifeA couple looking at bills/via Canva/Photos

3. The system sets people up

"The overall system sets people up for becoming interest and profit generators for wealth holders of all kinds. The power is completely lopsided, and the rules are set up to deliberately turn customers into cash machines. Regular folks aren't equipped to protect themselves from it, thanks to taboos around talking openly about money and finances as well as the finance industry's slick bait, hook, and land tactics."

4. Car payments

"Sooo many people buying waaaaay too much car. Everyone needs a huge luxury SUV for their three-person family, apparently. Or a giant truck because they're towing once a year. What makes it even worse is that those more expensive cars have more expensive maintenance and repairs and tires and gas bills. You also see people do this with houses. So many posts from people trying to justify buying a much larger house than they need and trying to make the financials with. 'How much house can I afford?' instead of 'how much house do it really need?'"

5. The rent is too high

"Rent has gone thru the roof and in order to get approved to live anywhere or buy your own home, you need to make 3x the rent. The grocery list that would cost you $50 5 years ago now costs you $100. God forbid you have a medical problem."

"I was going to say it's primarily rent and groceries for a lot of folks. Rent is really high a lot of places for pretty basic dwellings."

broke, bills, paycheck to paycheck, scared woman, finances, american lifeA woman who has run out of money.via Canva/Photos

6. Paycheck to paycheck is a broad term

"Because there is no standard definition of paycheck to paycheck. A lot of people who live 'paycheck to paycheck' have a ton of deductions for things like 401k and IRA along with spending on non essentials like expensive car payments, private schools, etc."

"This is a good point. I considered myself 'paycheck to paycheck' because (and I'm working on changing this) I literally get my account to 0 before each paycheck. Yes, that's after 401k, savings, paying off debt, and other luxuries like getting my nails done and steaming services. But you make a good point that if I locked in and cut all "extra" I would not be paycheck to paycheck in the slightest. Compared to growing up where when my mom paid most of the bills, we would have like $3 left for anything else. That's paycheck to paycheck."

7. Constant emergencies

"If emergency items stopped happening, I could actually save something. Medical bills, dental bills, car repairs, home repairs, just when we get a bit saved it goes to something else."

"Every. Single. Time. And it’s always the exact amount that I have in my savings."

broke, bills, paycheck to paycheck, scared woman, finances, american life, purseA woman who has no money.via Canva/Photos

8. Healthcare costs

"For me it’s healthcare that makes me live paycheck to paycheck. I have had two random emergency surgeries in the last 3 years. With a 10k deductible on my health insurance I’m 20k in debt and having to make $400 payments per month on it on top of my $490 a month premium. Before that first surgery I was debt free and doing ok. I have now accumulated about $5000 on a card too just trying to keep up with bills."

"I paid 20% of my take home pay for insurance. Then I pay another 10 to 20% for medical expenses to keep my disabled husband alive. So 1/3 of my income goes towards medical expenses. That's the problem and I can't do anything about it. I have super premium insurance at my job which pays terribly. If I got another job, it might not cover some of the things my husband needs or I might have to work so much that I would have to pay a caregiver."

9. Cost of living is too high

"Never being in a position where you are ahead of all the bills. A person makes $30 an hour, works 20-30 hours of overtime, had a $600-1000 car payment, rent is probably $1500-2000 per mo., electricity bill $140 per mo. month, car insurance $120 per mo. Gas $140 per mo. Phone bill $150 per mo. Food $500-1000 per mo."

10. Living high on the hog

"I’ll take a differing take here then a lot of comments and agree with OP that financial habits are often very poor. I work in a field that has a lot of pretty high income earners in a MCOL city (>80k starting).

"I see a ton of people who complain about being broke that do a lot of the following
  • Order out, especially with apps like DoorDash becoming ubiquitous, they are a massive cost and are well hidden enough that people miss it. Like upping the price of the menu items, most people don’t know the price of the food if you ordered in the restaurant.
  • Cars, both too much car, but also frequently trading vehicles in. Cars have gotten a lot better in the past decade but there is no way I’m trading in my vehicle when it’s paid off, as long as it’s reliable. Safety features would be nice, but not at that significant of a net worth hit.
  • Not putting away money for retirement, even with company matches. Company matches are a huge free return on your investments. Paying more now means paying much less later.
  • General luxuries, I had a coworker state she didn’t match her 401k because she couldn’t afford it, but later said she had very very expensive kitchenware. Lifestyle creep is real, and we are all susceptible to it.
There is a large element to the economy that is completely out of one’s control, but to take all personal responsibility out of the equation misses a big chunk of why we are in such a massive boom and bust with personal debt."

broke, bills, paycheck to paycheck, scared woman, finances, american life, coupleA couple arguing over money.via Canva/Photos

11. Starbucks

"I know you’re being half-hyperbolic, but I had a coworker who spent well over $100 on Starbucks in the morning and takeout/delivery for lunch every week. She was always complaining about money being tight. I’m not a cheapskate by any means, but I’m sure as hell not spending nearly $20 for some shitty meal from Panera delivered by DoorDash when I can pack my own lunch for like $3."

12. Consumerism

"My opinion as an outsider who moved here two years ago from the UK. Seems like money and work work work seems to be the focal point and consumerism is HUGE out here with a lot of waste. Maybe it's the social circle I'm in but it seems like people also spend silly throwing more than what they can afford on loans and cars etc."

13. Daycare

"For me, it is a daycare costs. We have to pay $720 a week for 2 kids in a standard daycare. We did not live paycheck to paycheck before having kids."

via Public Domain

Photos from the 1800s were so serious.

If you've ever perused photographs from the 19th and early 20th century, you've likely noticed how serious everyone looked. If there's a hint of a smile at all, it's oh-so-slight, but more often than not, our ancestors looked like they were sitting for a sepia-toned mug shot or being held for ransom or something. Why didn't people smile in photographs? Was life just so hard back then that nobody smiled? Were dour, sour expressions just the norm?

Most often, people's serious faces in old photographs are blamed on the long exposure time of early cameras, and that's true. Taking a photo was not an instant event like it is now; people had to sit still for many minutes in the 1800s to have their photo taken.

Ever try holding a smile for only one full minute? It's surprisingly difficult and very quickly becomes unnatural. A smile is a quick reaction, not a constant state of expression. Even people we think of as "smiley" aren't toting around full-toothed smiles for minutes on end. When you had to be still for several minutes to get your photo taken, there was just no way you were going to hold a smile for that long.

But there are other reasons besides long exposure times that people didn't smile in early photographs.


mona lisa, leonardo da vinci, classic paintings, famous smiles, art"Mona Lisa" by Leonardo da Vinci, painted in 1503Public domain

The non-smiling precedent had already been set by centuries of painted portraits

The long exposure times for early photos may have contributed to serious facial expressions, but so did the painted portraits that came before them. Look at all of the portraits of famous people throughout history prior to cameras. Sitting to be painted took hours, so smiling was out of the question. Other than the smallest of lip curls like the Mona Lisa, people didn't smile for painted portraits, so why would people suddenly think it normal to flash their pearly whites (which were not at all pearly white back then) for a photographed one? It simply wasn't how it was done.

A smirk? Sometimes. A full-on smile? Practically never.

old photos, black and white photos, algerian immigrant, turban, Algerian immigrant to the United States. Photographed on Ellis Island by Augustus F. Sherman.via William Williams/Wikimedia Commons

Smiling usually indicated that you were a fool or a drunkard

Our perceptions of smiling have changed dramatically since the 1800s. In explaining why smiling was considered taboo in portraits and early photos, art historian Nicholas Jeeves wrote in Public Domain Review:

"Smiling also has a large number of discrete cultural and historical significances, few of them in line with our modern perceptions of it being a physical signal of warmth, enjoyment, or indeed of happiness. By the 17th century in Europe it was a well-established fact that the only people who smiled broadly, in life and in art, were the poor, the lewd, the drunk, the innocent, and the entertainment […] Showing the teeth was for the upper classes a more-or-less formal breach of etiquette."

drunks, classic painting, owls, malle babbe, paintings"Malle Babbe" by Frans Hals, sometime between 1640 and 1646Public domain


In other words, to the Western sensibility, smiling was seen as undignified. If a painter did put a smile on the subject of a portrait, it was a notable departure from the norm, a deliberate stylistic choice that conveyed something about the artist or the subject.

Even the artists who attempted it had less-than-ideal results. It turns out that smiling is such a lively, fleeting expression that the artistically static nature of painted portraits didn't lend itself well to showcasing it. Paintings that did have subjects smiling made them look weird or disturbing or drunk. Simply put, painting a genuine, natural smile didn't work well in portraits of old.

As a result, the perception that smiling was an indication of lewdness or impropriety stuck for quite a while, even after Kodak created snapshot cameras that didn't have the long exposure time problem. Even happy occasions had people nary a hint of joy in the photographs that documented them.

Another reason why people didn't smile in old photos is that dental hygiene wasn't the same as it is today, and people may have been self-conscious about their teeth. “People had lousy teeth, if they had teeth at all, which militated against opening your mouth in social settings,” Angus Trumble, the director of the National Portrait Gallery in Canberra, Australia, and author of A Brief History of the Smile, said, according to Time.


wedding party photo, wedding, old weddings, black and white, serious photos, no smilesEven wedding party photos didn't appear to be joyful occasions.Wikimedia Commons


Then along came movies, which may have changed the whole picture

So how did we end up coming around to grinning ear to ear for photos? Interestingly enough, it may have been the advent of motion pictures that pushed us towards smiling being the norm.

Photos could have captured people's natural smiles earlier—we had the technology for taking instant photos—but culturally, smiling wasn't widely favored for photos until the 1920s. One theory about that timing is that the explosion of movies enabled us to see emotions of all kinds playing out on screen, documenting the fleeting expressions that portraits had failed to capture. Culturally, it became normalized to capture, display and see all kind of emotions on people's faces. As we got more used to that, photo portraits began portraying people in a range of expression rather than trying to create a neutral image of a person's face.

Changing our own perceptions of old photo portraits to view them as neutral rather than grumpy or serious can help us remember that people back then were not a bunch of sourpusses, but people who experienced as wide a range of emotion as we do, including joy and mirth. Unfortunately, we just rarely get to see them in that state before the 1920s.

This article originally appeared last year.

Joy

Woman reveals her fiancé's 'horribly disgusting' pillow, and oh boy, brace yourself

"I was expecting bad, but that I fear, is far far far worse."

@rutttyy01/TikTok

Can't believe she tried to clean it.

Listen, if we're in a relationship, odds are we’ve encountered some of our partner’s weird quirks. Some of those might be cute and loveable, and others might fall into cringe territory.

For Abigheal McClary, there was no question as to which category her fiancé’s truly ghastly pillow, which appeared to have been around "since the dawn of time,” fell into.

"My fiancé has a pillow that is so horribly disgusting that I fear even being in the same bed as it. I fear laying beside it, because I think I could probably catch something from it,” McClary began in a TikTok video. One might assume she’s being a bit hyperbolic (there’s always that one thing of our significant others that gives us the irrational ick, right?) but once you see this horror show of a pillow, you’ll think McClary is being merciful.

Watch:

Dear god, did you even know such a horrid shade of sickly brown existed?!!

"The pillow looks like it coughs constantly,” one person wrote.

Another added, “I’ve never seen a rotten pillow."

All jokes aside—and it probably goes without saying—that this is objectively unsanitary. According to WebMd, pillows should generally be washed once or twice a year, and replaced about every two years. Pillowcases, on the other hand, should be washed weekly, unless they aren’t used nightly, so sayeth Martha Stewart. Not that this heathen uses a pillowcase at all!

Having our faces exposed to unclean pillow night after night not only puts us right in the pathway of respiratory pathogens, but also plenty of acne-causing bacteria. Although, by the grace of god, McClary said in her video that "This man has no pimples on his face laying on this thing ...I have no clue how." Honestly, neither do we. He needs to be studied.

As one person joked, “he doesn’t get pimples because he’s created a micro bioverse that’s evolved so far into the future they must feed on his dead skin cells to continue their micro society…that’s the only explanation.”

Though McClary mentioned that her fiancé wouldn’t let her wash this unsightly pillow, nor put a pillowcase on it (he apparently likes it because “it’s cool on both sides”) she must have talked some sense into him because subsequent videos show her dunking the thing into a bath, using a concoction of bleach, Shout, baking powder, and some other cleaning agents.

Each time, the pillow acted as a giant, heavy teabag, staining the water a murky brown.

However, as fate would have it, McClary put the pillow in a dryer after its soaking, and when she opened the door, there were nothing but shreds.

Folks rightfully guessed that the bleach used in the bath deteriorated the fabric…but in truth, we all suspect the dryer just wanted to put the pillow out of its misery.

“The dryer knew what needed to be done,” one viewer quipped.

@rutttyy01 Pillow update : Tragic # What do yall want to see next? #fyp #foryoupage #foryou #fypシ ♬ original sound - Abigheal💅🏻

Hopefully, this acts as a highly entertaining little PSA to please, please, please keep your pillows clean. Otherwise, those who share a bed with you can’t be held responsible for their actions.

Pop Culture

Brit shares the one-word 'dead giveaway' that American actors can't do an English accent

“There is one word that is a dead giveaway that an English character in a movie or a TV show is being played by an American."

via Warner Bros Discovery

Peter Dinklage on "Game of Thrones"?

When it comes to actors doing accents across the pond, some Americans are known for their great British accents, such as Natalie Portman ("The Other Boleyn Girl"), Robert Downey, Jr. ("Sherlock Holmes"), and Meryl Streep ("The Iron Lady"). Some have taken a lot of heat for their cartoonish or just plain weird-sounding British accents, Dick Van Dyke ("Mary Poppins"), Kevin Costner ("Robin Hood: Prince of Thieves") and Keanu Reeves ("Bram Stoker's Dracula").

Some actors, such as Tom Hardy (“The Drop”) and Hugh Laurie (“House”), have American accents so good that people have no idea they are British. Benedict Townsend, a London-based comedian and host of the “Scroll Deep” podcast, says there is one word that American actors playing characters with a British accent never get right. And no, it’s not the word “Schedule,” which British people pronounce the entire first 3 letters, and Americans boil down to 2. And it’s not “aluminum,” which British and American people seem to pronounce every stinking letter differently.


@benedicttown The one word American actors aways get wrong when doing an English accent
♬ original sound - Benedict Townsend

What word do American actors always get wrong when they do British accents?

“There is one word that is a dead giveaway that an English character in a movie or a TV show is being played by an American. One word that always trips them up. And once you notice it, you can't stop noticing it,” Townsend says. “You would see this lot in ‘Game of Thrones’ and the word that would always trip them up was ‘daughter.’”

Townsend adds that when British people say “daughter,” they pronounce it like the word “door” or “door-tah.” Meanwhile, Americans, even when they are putting on a British accent, say it like “dah-ter.”

“So top tip if you are an actor trying to do an English accent, daughter like a door. Like you're opening a door,” Townsend says.


What word do British actors always get wrong when doing American accents?

Some American commenters returned the favor by sharing the word that British actors never get right when using American accents: “Anything.”

"I can always tell a Brit playing an American by the word anything. An American would say en-ee-thing. Brits say it ena-thing,” Dreaming_of_Gaea wrote. "The dead giveaway for English people playing Americans: ‘Anything.’ Brits always say ‘EH-nuh-thin,’” marliemagill added. "I can always tell an actor is English playing an American when they say ‘anything.’ English people always say it like ‘enny-thin,’” mkmason wrote.


What is the cot-caught merger?

One commenter noted that the problem goes back to the cot-caught merger, when Americans in the western US and Canadians began to merge different sounds into one. People on the East Coast and in Britain pronounce them as different sounds.

“Depending on where you live, you might be thinking one of two things right now: Of course, ‘cot’ and ‘caught’ sound exactly the same! or "There’s no way that ‘cot’ and ‘caught’ sound the same!” Laura McGrath writes at DoYouReadMe. “As a result, although the different spellings remain, the vowel sounds in the words cot/caught, nod/gnawed, stock/stalk are identical for some English speakers and not for others.” For example, a person from New Jersey would pronounce cot and catch it as "caht" and "cawt," while someone from Los Angeles may pronounce them as "caht" and "caht."

To get a better idea of the big difference in how "caught" and "cot" are pronounced in the U.S., you can take a look at the educational video below, produced for a college course on linguistics.


- YouTubeyoutu.be

American actors owe Townsend a debt of gratitude for pointing out the one thing that even the best can’t seem to get right. For some actors, it could mean the difference between a great performance and one that has people scratching their heads. He should also give the commenters a tip of the cap for sharing the big word that British people have trouble with when doing an American accent. Now, if we could just get through to Ewan McGregor and tell him that even though he is fantastic in so many films, his American accent still needs a lot of work.

This article originally appeared last year.

Ever seen a baby "sing" a rock song before they can talk?

Few things bring as much joy to a parent’s heart as the adorable sounds their babies make. But back in 2024, when a dad with a vision, a camera and a year's worth of footage uses those sounds to recreate one of the most iconic rock songs ever…let's just say joy alone doesn't quite cover it.

In one of the most epically adorable and adorably epic song renditions ever, dad and video editor Matt MacMillan spliced together tiny snippets of his baby's sounds to make AC/DC's "Thunderstruck." And it's one of those things you just have to see to believe.

Below, enjoy little Ryan singing a is jaw-droppingly awesome baby-fied version of"Thunderstruck." Nothing but awe and respect for a guy who takes a whole year to get just the right sounds at the right pitches and figures out to put them together to create this masterpiece:

- YouTubewww.youtube.com

Making a sneeze into a cymbal? Are you kidding me?

People have been understandably impressed, with the video getting over 6 million views.

"Ryan becomes the vocalist of AB/CD."

"I need a cover in 17 years whenever he is an adult singing over the instrumentals lol"

"'I recorded my son for a full year. I edited for the next 5'"

"The fact that he genuinely found clips that fit every note he need instead of just pitch shifting like most videos like this do really makes this stand out. Good job he’s adorable."

"This dude had a kid just so he could make this song. What a Legend."

"Other parents: 'I want my child to create masterpieces.' This guy: 'my child IS the masterpiece.'"

"I'm a residential plumber and I've had an absolutely horrible day on a work shift that's lasted 13 hours and even after crawling through human poop all day this made me smile laugh and giggle like a small baby."

Believe it or not, it's not autotuned or pitch-shifted. Those notes are all baby.

The real question is: How did he do it? This isn't just some autotune trick. MacMillan really did it all manually, going through each video clip of Baby Ryan, organizing them by pitch and figuring out what notes they were.

Perhaps most impressively, he didn't even know the notes of "Thunderstruck" to begin with and doesn't really read music. He had to pluck the song out on the piano and then match those notes with his baby's sounds.

As he wrote, "It took forever." But he shared an inside look at how he did it here:

- YouTubewww.youtube.com

Seriously, doesn't seeing how he did it make it even more impressive? Pure human creativity and perseverance on display. What a delightful gift Ryan will have for the rest of his life. Much better than a standard baby book.

Baby Ryan's "Thunderstruck" was not MacMillan's first foray into baby covers, either. He previously created a rendition of "Carol of the Bells" using Baby Ella's sounds, and it is just as impressive (and adorable) as Baby Ryan's. Here's one to add to your holiday playlist:

- YouTubewww.youtube.com

Here's to the humans who wow us with their ambitious, innovative projects that exist purely to bring a smile to people's faces.

You can follow Matt MacMillan on YouTube.

This article originally appeared last year.

Photo by Katerina Holmes|Canva

Mom in tears after another parent calls about daughter's lunch

People say having children is like having your heart walk around outside of your body. You send them off to school, practices, or playdates and hope that the world treats them kindly because when they hurt, you hurt. Inevitably, there will be times when your child's feelings are hurt, so you do your best to prepare for that day.

But what prepares you for when the child you love so much winds up accidentally healing your inner child. A mom on TikTok, who goes by Soogia posted a video explaining a phone call she received from a parent in her daughter's classroom. The mom called to inform Soogia that their kids had been sharing lunch with each other.

Soogia wasn't prepared for what came next. The classmate's mother informed her that her son loves the food Soogia's daughter brings to school and wanted to learn how to cook it, too. "I was like, 'thank you for my food'? Like, what is she talking about? Did she find my TikTok? 'F**k, I"m mortified.' But that wasn't the case," Soogia recalled, hardly being able to get the story out through her tears.

That may seem like a small thing to some, but the small gesture healed a little bit of Soogia's inner child. Growing up as a Korean kid in California, Soogia's experience was a bit different than what her children are now experiencing.

kids lunch, school lunch, children sharing lunch, lunch table, apples, carrotsChildren eating lunch together.Photo via Canva/Photos

"I guess I just never thought that my kids would be the generation of kids that could go to school and not only just proudly eat, but share their food with other kids that were just so open and accepting to it," Soogia says through tears. "Knowing that they don't sit there eating their food, feeling ashamed and wishing that their fried rice was a bagel instead, or something like that. And I know, it sounds so small and it sounds so stupid, but knowing their experience at school is so different from mine in such a positive way is just so hopeful."



At the end of the video, she vowed to send extra food in her daughter's lunch every day so she could share her culture with the other kids.


@soogia1

These kids, man. They’re really something else. #culturalappreciation #breakingbread #sharing #

Soogia's tearful video pulled on the heartstrings of her viewers who shared their thoughts in the comments.

"Soogia! It will never be small. Your culture is beautiful & the littles are seeing that every day. You've even taught me so much. I'm grateful for you," one person says.

"Beautiful! I can see your inner child healing in so many ways," another writes.

"Welp. Now I'm sobbing at the airport. This is beautiful," someone reveals.

"These Gen Alpha babies really are a different, kinder generation. I love them so much," one commenter gushes.

Ultimately, the story is a wonderful reminder that everyone has a backstory and that a simple gesture like appreciating someone's culture or history can mean far more to them than you'll ever know.

This article originally appeared last year.