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| Seventy-five percent of Americans say they are not completely financially secure, and 30 percent never expect to be, according to Bankrate’s Financial Freedom Survey. |
| More than 1 in 3 workers (34 percent) are living paycheck to paycheck, according to Bankrate’s new Living Paycheck to Paycheck Survey. That means that about a third of American workers say they don’t have enough money left over after covering their expenses to save for future expenses. |
| Nearly 6 in 10 Americans (59 percent) are uncomfortable with their level of emergency savings. That’s up from 2023, according to Bankrate’s 2024 Annual Emergency Savings Report. |
| “Simply put, living comfortably costs a lot more than it used to,” says Sarah Foster, Bankrate U.S. economy reporter. “Prices are up almost 21 percent since the pandemic first began in February 2020, requiring an extra $210 per every $1,000 someone used to spend on the items they both want and need. For the many Americans whose pay haven’t kept up with inflation, higher prices essentially translate to an outright destruction of wages. Inflation is the silent thief, and it comes with a price — often Americans’ chances of living a comfortable life.” |
| Meanwhile, 50 percent of American cardholders carry card balances from month to month, according to Bankrate’s Credit Card Debt Survey. Bankrate data shows that 58 percent of cardholders earning under $50,000 carry a balance from month to month, compared to 43 percent of those earning $100,000 or more. As inflation persists and interest rates remain high, carrying a credit card balance may only further the likelihood of living paycheck to paycheck. |
| “Those living paycheck to paycheck often turn to credit cards to make up for a cash shortfall or to pay for emergencies or purchases that don’t fit within their budgets,” says Amy Maliga, former financial educator with Take Charge America, a nonprofit financial counseling agency. “This can lead them to being overextended, carrying balances month to month and paying high interest rates without a clear path to pay off the debt.” |
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