It would make better sense if your statistics counted gamers rather than everyone who also are not gamers.

I'm still able to buy games here in the US of A, lol.

Did they shred it on the last day of the month?

Oprindeligt skrevet af Arvaos ⚚:

78% of Americans have no bank account cash by the end of the month.

Why are they broke at the end of the month in the US? How do they afford games?

when the solution is to work more they have 24 hours they can work and earn money a day should fill as much of it with work as possible sleep is for those with money

I’m the exception rather than the rule.

Oprindeligt skrevet af Arvaos ⚚:

78% of Americans have no bank account cash by the end of the month.

Why are they broke at the end of the month in the US? How do they afford games?

If this is a real statistic, I cant help but feel most of it is young children/adults or the eldery...
Also not to be that guy but souce?

Oprindeligt skrevet af joco:

Did they shred it on the last day of the month?

like most use credit in us that means debt kinda wierd to have a society pushing for ppl to spend money they dont have or no bank will want their money at all

They have the latest phone, PC, fashion item, half of it is money management problems. People who make 300k a year will still spend most of the money, they have been taught consumerism since the crib.

Oprindeligt skrevet af steven1mac:

They have the latest phone, PC, fashion item, half of it is money management problems. People who make 300k a year will still spend most of the money, they have been taught consumerism since the crib.

like the irony is those things got cheaper everything else skyrocketed

Am I the only one who still uses an iPhone 13 Pro Max? I haven’t upgraded since.

Oprindeligt skrevet af joco:

Did they shred it on the last day of the month?

I was wondering the same thing.

Oprindeligt skrevet af Emperor Chungus III:

I'm still able to buy games here in the US of A, lol.

Well, it's the start of the month now.

People live outside their means. The state I'm in I see it takes like something $100,000 a year to live comfortably. In reality it's not even close to that.

Oprindeligt skrevet af HermitTheToad:

Oprindeligt skrevet af Arvaos ⚚:

78% of Americans have no bank account cash by the end of the month.

Why are they broke at the end of the month in the US? How do they afford games?

If this is a real statistic, I cant help but feel most of it is young children/adults or the eldery...
Also not to be that guy but souce?

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.

america is a nation where people spend what they not have to buy what they not need, while working for what does not pays.

***
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"