Russia defaultFinancial articlePersonal financeOne third of americans making $250000 live paycheck to paycheck survey findsWealthier Americans live paycheck to paycheck after inflation ...
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With inflation still near 40-year highs, even top earners are living paycheck to paycheck, according to one report. In this article. SkipNavigationMarketsBusinessInvestingTechPoliticsCNBCTVWatchlistInvestingClubPROMenuKeyPointsThesurgingcostoflivinghascausedmoreAmericanstofeelfinanciallysqueezed.Withinflationstillnear40-yearhighs,eventopearnersarelivingpaychecktopaycheck,accordingtoonereport.InthisarticleLCFollowyourfavoritestocksCREATEFREEACCOUNTwatchnowVIDEO2:3202:32ConsumerFinancialProtectionBureaumonitorsconsumerdebtamidhighinflationSquawkBoxWithinflationstillhoveringnear40-yearhighs,it'sgettingharderforworkersacrossallincomelevelstomakeendsmeet.TheConsumerPriceIndex,akeyinflationmetric,increased8.3%inAprilfromayearago,accordingtothelatestdatafromtheU.S.DepartmentofLabor. AlthoughitwasdownslightlyfromtheMarchpeak,itstillmarkedthelargestjump sincethesummerof1982.Whilewagegrowthis highbyhistoricalstandards,itisn'tkeepingupwiththeincreasedcostofliving.Whenwagesriseataslowerpacethaninflation,paycheckswon'tgoasfaratthegrocerystoreorthegaspump—twoareasofthebudgetthathavebeenparticularlyhardhit.MorefromPersonalFinance:Thejobmarketisstillhot—fornow25%ofAmericansaredelayingretirementduetoinflationHowtopayforcollegeafterafinancialsetbackAsofApril,61%ofconsumerssaidtheyarenowlivingpaychecktopaycheck,accordingtoaLendingClubreport.Eventopearnersarestretchedthin,thereportfound.Ofthoseearning$250,000ormore,36%saidtheylivepaychecktopaycheck. "Earningaquarterofamilliondollarsayearismorethanfivetimesthenationalmedianandisclearlyhighincome,"saidAnujNayar,LendingClub'sfinancialhealthofficer."Thefactthatathirdofthemarelivingpaychecktopaycheckshouldsurpriseyou."Thesehigh-incomeearnershaveanaverageFICOscoreof758,"Nayaradded."Theyarecreditworthybuttheyhavehigherfinancialobligationsandaremorelikelytoleveragetheircapitaltofinancetheirlives."Consumerswhoarestrugglingtoaffordtheirday-to-daylifestyletendtorelymoreoncreditcardsandcarryhighermonthlybalancesmakingthemfinanciallyvulnerable, thesurveysaid.I'veseenhouseholdsofallmeansfallintothistrap.Joe BuhrmannseniorfinancialplanningconsultantatFidelity's eMoneyAdvisor"I'veseenhouseholdsofallmeansfallintothistrap,"saidJoe Buhrmann,acertifiedfinancialplannerandseniorfinancialplanningconsultantatFidelity's eMoneyAdvisor."Iftheissueisaresultofspending—oroverspending—considerfollowingthe50-20-30rule,"headvised."Withthisruleofthumb,youallocateyourafter-taxincomeasfollows:50%onneeds,30%onwants,andallocatetheremaining20%tosavingsand/ordebtreduction,suchaspayingoffacreditcard."watchnowVIDEO3:1403:14Creditcardspendingup24%frompre-pandemiclevels,BankofAmericaInstitutefindsSquawkBoxOverall,creditcardbalancesroseyearoveryear,reaching$841billioninthefirstthreemonthsof2022,accordingtoaseparatereportfromtheFederalReserveBankofNewYork.Atthisrate,balancescouldsoonreachrecordlevelsamidhigherpricesforgas,groceriesandhousing,amongothernecessities,accordingtoTedRossman,aseniorindustryanalystatCreditCards.com.Anyonewithrevolvingdebtwillalsoseetheannualpercentagerateontheircreditcard headhigherasthe FederalReserve hikes interestrates totryandtampdown risingprices.SubscribetoCNBConYouTube.TVWATCHLIVEWATCHINTHEAPPUPNEXT|ETListenTVWATCHLIVEWATCHINTHEAPPUPNEXT|ETListen
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