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Over 60% of people are living paycheck-to-paycheck

Over 60% of people are living paycheck-to-paycheck

Back in the day when we were in high school and college, we had “wild & crazy” dreams.

We wanted to be rock stars, pro athletes, lawyers, doctors, and so on. We wanted to set foot on every corner of the world. We were fearless and full of ideas that our parents thought were nuts!!!

Then, we grew up and life definitely happened!

In February 2021, 41.5% of those unemployed had been without jobs for over half a year, and long-term unemployment totaled 4.1 million Americans, according to a Pew Research Center analysis of government data.* And 63% of Americans reported that they were living paycheck to paycheck since the pandemic, according to Highland Solution, an information technology company. The worst news? Slightly half of the survey's respondents were not living paycheck to paycheck until the pandemic hit.**

* Pew Research Center. "Long-Term Unemployment Has Risen Sharply in the U.S. Amid the Pandemic, Especially Among Asian Americans." and “COVID-19 Pandemic Pinches Finances of America’s Lower- and Middle-Income Families.”

** Highland Technologies. "Survey Reveals Spending Habits During COVID-19."

Let the numbers speak…


Eight out of 10 Americans surveyed by in 2021 reported they budgeted their money, which reflected a 12 percentage-point increase from 2019. The vast majority of budgeters in the survey said the practice got them out of debt or kept them from going into debt.

Consumer Spending

According to the US Dept of Agriculture, U.S. consumers spent an average of 11.3 percent of their disposable personal income on food in 2022— reaching levels similar to the 1980s. Eating at home (5.62 percent) and dining out (5.64 percent) were essentially equal. 


Labor & Housing

As published at on December 3, 2022, a Bureau of Labor and Statistics survey noted the largest family expenditures were housing and transportation, which comprised 26 percent and 13 percent of people’s take-home pay, respectively.

Personal Services

It is our sincere goal to be your best friend and your teammate as a financial life coach. Our heart and experiences can assist you in planning your finances to live your dreams and make them come true.

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