Even rich people are living paycheck to paycheck - Fortune

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Around 61.3% of Americans—157 million people—are living paycheck to paycheck and devoting all of their salaries to expenses with little to ... InflationRealEstateInvestingCompensationCareersStudentLoansandDebtPersonalFinance·wagesEvenrichpeoplearelivingpaychecktopaycheckBYTristanBoveJune2,2022,3:52PMUTC Inflationata40-yearhighismakinglifedifficultforeveryone,eventhecountry’shighestearners. AsurgeinpricesforeverythingfromgasolinetogroceriesisburningaholeineveryAmerican’swallet,andforcingmanytocutbackonexpensesanddipintotheirsavings.Andwhileinflationishittingthenation’spooresthardest,evenpeoplewiththelargestsalariesarebeinghitbytheeconomy. Morethanone-thirdofpaycheck-to-paycheckconsumersintheU.S.earnatleast$250,000,accordingtoanewreportbyloanissuerLendingClubandcommercemediaplatformPYMNTS,suggestingthatinflationisaffectinghowAmericansofallincomelevelshandletheirbudgets. “Inflationwillmostlikelybepartoftheeconomicpictureformanymonthstocome,andconsumerslivingpaychecktopaycheckofallincomebracketswillneedtoreviewtheirfinancialsituationsandplantheirspendingaccordingly,”thereportreads.  Thereportanalyzedthefinancesofover3,000consumersofallincomelevelsacrosstheU.S.ThesurveywasconductedinApril,andreportsonthefinancesofthecountry’shighestincomeearnersforthefirsttimeinthestudy’shistory. “Earningaquarterofamilliondollarsayearismorethanfivetimesthenationalmedianandisclearlyhighincome.Thefactthatathirdofthemarelivingpaychecktopaycheckshouldsurpriseyou,”AnujNayar,LendingClub’sfinancialhealthofficer,saidinastatement.Nayaraddedthattheexpensivelifestylesofhighincomeearnerswerebehindtheiradjustedspendingpatterns. Around61.3%ofAmericans—157millionpeople—arelivingpaychecktopaycheckanddevotingalloftheirsalariestoexpenseswithlittletonothingleftoverattheendofthemonth,accordingtothereport.Thatnumberisninepercentagepointshigherthanayearago. Buttherearebigdifferencesbetweenhowpeopleindifferentincomebracketspaytheirbills,andthereportclarifiesthatmosthighincomeearnerswhoarelivingpaychecktopaycheckstillhavenoissuescoveringtheirexpenses—only10%to12%arerunningintoproblemspayingtheirbills.  Unlikeworking-classpeople,highincomeearnersgenerallyhavegoodcreditscoresandtheoptiontousecreditcardstomakepayments.Only48%ofallpaycheck-to-paycheckconsumerswhoarestrugglingtomakeendsmeethaverecentlymadeacreditcardpayment. “[Highincomeearners]arecreditworthybuttheyhavehigherfinancialobligationsandaremorelikelytoleveragetheircapitaltofinancetheirlives,”Nayarsaid. ThemajorityofAmericanshavebeenlivingpaychecktopaycheckforyears,butinflationhasmadefinanceseventighter.Pricesforfuel,food,andhousingarerisingfast,butaveragewagegrowthhassofarfailedtokeepup. InflationhasalsorockedwhatwasontracktobeanepicfinancialrecoveryformostAmericansafterthepandemic.Betweenmultiplestimuluspayments,highersavings,andlowerexpenses,mostAmericans’financesactuallyimprovedduringthepandemic,andarecentanalysisbytheFederalReservefoundthatAmericans’financialhealthlastyearwasthehighestit’sbeeninnearlyadecade. ButthatwasbeforetheRussianinvasionofUkrainesentpricesforfoodandfuelsoaringandinflationbegantotakeholdofmostAmericans’lives,eventhehighearners.  AMarchsurveybytheAmericanPsychologicalAssociationfoundthatinflationandrisingcostshadbecomethebiggestsourcesofstressforAmericans,witheconomicstressreachingrecordhighs.AnotherAprilstudybyU.S.News&WorldReportfoundthatovertwo-thirdsofAmericansarenowanxiousabouttheirfinancesandworriedabouttheirfinancialfuture. Signupforthe FortuneFeaturesemaillistsoyoudon’tmissourbiggestfeatures,exclusiveinterviews,andinvestigations. MostPopularSuccessVanlifeisjust‘glorifiedhomelessness,’saysa33-year-oldwomanwhotriedthenomadiclifestyleandendedupbrokeOctober18,2022BYChloeBergerSuccessMicrosoft’sremote-work-friendlyCEOputshisfingeronthebigproblemwithworkingfromhomeOctober17,2022BYJaneThierFinanceHowthesurgingU.S.dollarismakingitalmostimpossibletoaffordanythingincountriesaroundtheworldOctober18,2022BYPaulWiseman,KelvinChan,andothers

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