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THE HOLIDAY SHOPPING DEEP DIVE EDITION
Consumer Finance

Inside The November 2023 Report

  • 42%: Portion of consumers annually earning more than $100K living paycheck to paycheck as of October 2023
  • 43%: Share of consumers living paycheck to paycheck and struggling to pay bills who plan to use credit for holiday spending
  • 37%: Share of consumers who say they will use savings to pay for holiday expenses

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

THE SAVINGS DEEP DIVE EDITION
Consumer Finance

Inside The October 2023 Report

  • 20%: Portion of consumers who cited job losses or income reductions as a reason they depleted their savings
  • 35%: Share of consumers earning $200K+ annually who report increased savings ability compared to 2022
  • 30%: Portion of consumers who dealt with a major expense using a significant percentage of their savings in the last year

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

THE SEASONAL FINANCIAL DISTRESS DEEP DIVE EDITION
Consumer Finance

Inside The September 2023 Report

  • 19%: Portion of U.S. consumers living paycheck to paycheck with issues paying bills in August 2023
  • 49%: Share of consumers who say their finances are particularly tight at specific times of the year
  • 55%: Portion of consumers facing seasonal swings in financial standing who cited events and celebrations as a reason for seasonal financial distress

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

THE NONESSENTIAL SPENDING DEEP DIVE EDITION
Consumer Finance

Inside The August 2023 Report

  • 61%: Portion of consumers who lived paycheck to paycheck as of July 2023
  • 21%: Share of paycheck-to-paycheck consumers who cite nonessential spending as a reason for their financial lifestyle
  • 36%: Share of Gen Z who describe spending as indulgent for at least three product or service categories

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

HOUSEHOLD FINANCES DEEP DIVE EDITION
Consumer Finance

Inside The July 2023 Report

  • 21%: Share of U.S. consumers living paycheck to paycheck with issues paying bills in June 2023
  • 67%: Share of U.S. consumers living alone who live paycheck to paycheck
  • 34%: Portion of parents who share a bank account with their children

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

THE EMERGENCY SPENDING DEEP DIVE EDITION
Consumer Finance

Inside The June 2023 Report

  • 55%: Share of millennials who report having had at least one unexpected expense in the three months prior to May 2023
  • 46%: Portion of consumers who reported facing emergency expenses in the three months prior to being surveyed
  • 53%: Portion of struggling paycheck-to-paycheck consumers who postponed large expenses due to financial hardship

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

THE REGIONAL DIVIDE EDITION
Consumer Finance

Inside The May 2023 Report

  • 82%: Portion of urban consumers who have outstanding credit card balances
  • 64%: Share of paycheck-to-paycheck consumers living in the Western U.S. in April 2023
  • 23%: Portion of Northeastern urban dwellers who cite dependent relatives as the most important reason why they live paycheck to paycheck, significantly more than any other region

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

THE GENERATIONAL DEEP DIVE EDITION
Consumer Finance

Inside The April 2023 Report

  • 66%: Share of Gen Z consumers who lived paycheck to paycheck in March 2023
  • 51%: Share of baby boomers and seniors who have experienced at least one financially distressing event in the last three years
  • 73%: Share of Gen Z paycheck-to-paycheck consumers who have spent $100 on a nonessential expense in the last three months

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report: 2022 Year In Review

THE SUPPLEMENTAL INCOME EDITION
Consumer Finance

Inside The March 2023 Report

  • 48%: Portion of high-income consumers living paycheck to paycheck in February 2023
  • 55%: Share of consumers whose supplemental income represented more of their total monthly income over the last 90 days
  • 62%: Portion of struggling paycheck-to-paycheck consumers whose supplemental income represented more of their total monthly income over the last 90 days

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report: 2022 Year In Review   |   Paycheck Report

THE ECONOMIC OUTLOOK AND SENTIMENT EDITION
Consumer Finance

Inside The January 2023 Report

  • 55%: Share of consumers who did not purchase a new car in 2022 and do not plan to do so in 2023
  • 35%: Portion of consumers who said they will incur leisure travel expenses in 2023
  • 73%: Share of paycheck-to-paycheck consumers with issues paying bills who cite inflation as the reason they expect a worse financial situation in the next year

Editions:
Paycheck Report: 2022 Year In Review   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: 2022 YEAR IN REVIEW
Consumer Finance

Inside The December 2022 Report

  • 6.8%: Portion of consumers who annually earn more than $200,000 yet live paycheck to paycheck with issues paying bills
  • 42%: Share of paycheck-to-paycheck consumers with issues paying bills who say they are the sole breadwinner in their household
  • 55%: Portion of consumers living paycheck to paycheck without issues paying bills who recently purchased clothing and accessories

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: THE FINANCIAL GOALS EDITION
Consumer Finance

Inside The December 2022 Report

  • 42%: Share of consumers who were living paycheck to paycheck without issues paying their bills in November
  • 31%: Portion of paycheck-to-paycheck consumers with issues paying their monthly bills who say paying off debt is their most important short-term financial goal
  • 22%: Share of millennials who are not saving money and have no pre-existing savings

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: THE HOLIDAY SHOPPING EDITION
Consumer Finance

Inside The November 2022 Report

  • 40%: Share of consumers not living paycheck to paycheck in October
  • 42%: Average share of purchases bridge millennials, millennials and Gen Z consumers plan to finance this holiday season
  • 87%: Share of consumers who prefer to use credit cards for their 2022 holiday shopping and pay the balance off over time

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: THE EMPLOYMENT EDITION
Consumer Finance

Inside The October 2022 Report

  • 37%: Share of paycheck-to-paycheck consumers with issues paying their monthly bills who earn at least 75% of their household income
  • 61%: Share of paycheck-to-paycheck consumers living without difficulty who are concerned about economic conditions
  • 38%: Share of Generation Z consumers who believe they are unlikely to find a new job in the next three months that would fit their qualifications and wage demands

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: THE INFLATION EDITION
Consumer Finance

Inside The September 2022 Report

  • 28%: Share of consumers earning more than $200,000 who live paycheck to paycheck
  • 59%: Share of paycheck-to-paycheck consumers with issues paying their monthly bills that noted significant rises in prices for utilities in the past 12 months
  • 48%: Share of consumers living paycheck to paycheck with issues paying bills who pay for health insurance

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: THE EMERGENCY SPENDING EDITION
Consumer Finance

Inside The August 2022 Report

  • 30%: Share of consumers earning more than $200,000 who live paycheck to paycheck
  • 42%: Share of consumers living paycheck to paycheck who paid more than $400 per each emergency expense
  • 30%: Share of consumers who had to pay an emergency expense for car repairs

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: THE CONSUMER SAVINGS EDITION
Consumer Finance

Inside The July 2022 Report

  • 36%: Share of consumers annually earning $200,000 or more who lived paycheck to paycheck in June
  • 70%: Average share of money paycheck-to-paycheck consumers keep in banks, digital wallets or cash
  • 40%: Share of paycheck-to-paycheck consumers with issues paying their bills who have spent more than they earned in the past six months

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: THE FINANCIAL DISTRESS FACTORS EDITION
Consumer Finance

Inside The June 2022 Report

  • 30%: Portion of U.S. consumers who earn more than $250,000 living paycheck to paycheck in May 2022
  • 77%: Share of paycheck-to-paycheck consumers struggling to pay bills who experienced events that caused financial distress
  • 19%: Share of paycheck-to-paycheck consumers who spent more than they made over the last six months

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: THE HIGH EARNERS EDITION
Consumer Finance

Inside The May 2022 Report

  • 60%: Share of paycheck-to-paycheck consumers who earn more than $200,000 who "never" or "rarely" revolve their credit balances
  • 22%: Share of consumers earning more than $250,000 a year who report having three credit cards
  • 61%: Portion of U.S. consumers living paycheck to paycheck in April 2022

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

NEW REALITY CHECK: THE PAYCHECK-TO-PAYCHECK REPORT: THE CREDIT EDITION
Consumer Finance

Inside The April 2022 Report

  • 49%: Portion of consumers earning more than $100,000 who were living paycheck to paycheck in March
  • 29%: Share of paycheck-to-paycheck consumers with issues paying their bills who have no credit cards
  • 64%: Share of paycheck-to-paycheck consumers without issues paying their bills who have made a credit card payment in the last 90 days

Editions:
Paycheck Report   |   Paycheck Report   |   Paycheck Report   |   Paycheck Report

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