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Also not to be that guy but souce?
I was wondering the same thing.
Well, it's the start of the month now.
Interestingly, I don't have any exact source. I saw it on Reddit.
The answer depends heavily on how “living paycheck to paycheck” is defined.
In 2025, PNC Bank’s “Financial Wellness in the Workplace” report found 67% of workers say they are living paycheck to paycheck.
MarketWatch reports that 57% of Americans say they’re living paycheck to paycheck in 2025.
A review of multiple studies shows LendingClub’s surveys (from mid-2021 to late 2023) found 52% to 64% of consumers lived paycheck to paycheck, depending on the month.
In contrast, BankRate’s survey put a lower figure: 34% of workers said they live paycheck to paycheck.
Definition variance: Some surveys define it as having “no money left over after expenses,” others as “needing the next paycheck to make ends meet,” or “spending at least 95% of income on essentials.”
Self-reporting vs. transaction data: Some figures rely on people’s perceptions (self-reports), others use anonymized banking data to estimate how close people are to zero cash after expenses.
Sample differences: Some surveys look at workers only, some at all adults, some at particular income groups or regions.
A Consumer Financial Protection Bureau (CFPB) report indicates that 24% of consumers report having zero emergency savings, and 39% have less than one month of income saved.
A Bankrate survey finds that only 46% of U.S. adults have enough savings to cover three months of expenses, meaning the majority are under-prepared for emergencies.
***
common dutch mentality :
1 you work
2 you crunch the numbers to see what you need to put aside each month to bve able to afford your desired items + you add 10-20% extra "reserve"
3 if that leaves you to little to live of you start making chooices thus you make sure you only keep what is most vital to you and stay within your means right at the start
4 you put that money aside in perpetual
5 only once you saved enough to buy said items you spend
6 you keep saving..for the time to start saving for the items replacement is when you JUST got it.
thus it is very common for a dutch person to have tens or hundreds of thousands in savings and not a cent of debt and still say about a 100 euro item I cannot afford it. as is how it should be.
hence we pay with debetcards aka money we OWN + we have all savings accounts
even large items like a car.. are paid cash in full.. we not loan for nothing if we can help it. we rather drive a cheap 2d hand car if we really need one now.. while we save up for the nicer one a couple years from now..
how americans live : start the month with 0 borrow to buy everything...
and hope your wage at the end of the month covers it..
thats total ludicrus
when an american says I cannot afford it.. it means all their credit cards disqualify for any new loans... are maxed out and they have no more assets to pawn away or use as leverage for a loan..
when a dutch says I cannot afford it.. it merely means "it does not fit in my calculatation, and I deem other future things more imporant to buy than this"