Russia defaultFinancial articlePersonal financeOne third of americans making $250000 live paycheck to paycheck survey findsA third of Americans who make $250,000 a year say they live ...
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According to the June New Reality Check: Paycheck to Paycheck Report, more than one in three Americans earning at least $250,000 say they ... AthirdofAmericanswhomake$250,000ayearsaytheylivepaychecktopaycheck,butaretheyreally?ByNicoleLynPesce&WestonBlasi July14,2022AccordingtotheJuneNewRealityCheck:PaychecktoPaycheckReport,morethanoneinthreeAmericansearningatleast$250,000saytheylivepaychecktopaycheck.Thejointsurveyof4,048respondentswastakenbydataandinsightscompanyPymntsandtheLendingClubCorporation.Overall,thereportfoundthat61%61%ofAmericanssaytheywerelivingpaychecktopaycheckinApril2022.Inotherwords,almosttwo-thirdsoftheU.S.population,orabout157millionpeople,157millionpeople,havelittleornothingleftoverattheendofthemonth.Overall,thereportfoundthat61%61%ofAmericanssaytheywerelivingpaychecktopaycheckinApril2022.Inotherwords,almosttwo-thirdsoftheU.S.population,orabout157millionpeople,157millionpeople,havelittleornothingleftoverattheendofthemonth.That’saninepercentagepointincreasefromApril2021.ThefollowingchartsaresourcedfromdatabyPymntsandtheLendingClubCorporationfortheJuneNewRealityCheck:PaychecktoPaycheckReport.Key:LivepaychecktopaycheckwithdifficultyLivepaychecktopaycheckcomfortablyDonotlivepaychecktopaycheckPeopleearninglessthan$50K36.2%43.5%20.3%Peopleearning$50K-$100K18.6%45.2%36.2%Peopleearning$100K-$150K11.3%35.6%53.1%Peopleearning$150K-$200K10.1%30.7%59.2%Peopleearning$200K-$250K10.4%25.9%63.6%Peopleearningmorethan$250K12.3%23.7%64.0%““Earningaquarterofamilliondollarsayearismorethanfivetimesthenationalmedianandisclearlyhighincome.Thefactthatathirdofthemarelivingpaychecktopaycheckshouldsurpriseyou.—AnujNayar,LendingClub’sfinancialhealthofficer,inastatementButGregMcBride,chieffinancialanalystatBankrate.com,saidit’simportanttoconsiderwhat“livingpaychecktopaycheck”means.Topearnerswhosaytheyarelivingpaychecktopaycheckmaybeusingtheirdisposableincometocontributetoretirementsavingsorcollegefunds. ““Ifyou’resavingthroughpayrolldeductionforretirementandemergencies,Iwouldn’tdefinethatas‘livingpaychecktopaycheck,’becausethereisacushionthereintheeventofincomedisruption.Ifyouaretrulylivingpaychecktopaycheck,thereisnocushion.—McBrideTherealsoneedstobeadistinctionbetweengrosspayandnetpay,sincenetpayiswhatpaysthebills.High-incomehouseholdsthatliveinhigh-costmarketshaveabiggergapbetweengrosspayandnetpay,especiallyaftertaxes.BrianMarks,aseniorlecturerattheDepartmentofEconomics&BusinessAnalyticsattheUniversityofNewHaven,suggestedthatsomewealthypeoplemightbelivingpaychecktopaycheckbyutilizingdebtandcreditindifferentwaysthanthoseearningless.Forexample,theymayusecreditcarddebttocoverbillsandpurchasessincetheycanbankontheirupcomingpaydayorfuturebonusestopaythatdown.Sooncetheircheckcomesin,muchofitgoestowardpayingoffthatdebt.KeepreadingonMarketWatch.ClickhereTwitterYouTubeInstagramFacebookPhotosby: iStock/GettyImages Storyby: NicoleLynPesce&WestonBlasi GoogleWebStoryby: AmeliaLangasMoreVisualStoriesWhyistherealifeguardshortage?Herearethe6mainreasonsDitchyourgasstove?Studyfindstheyemitcancer-causingchemicals
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