Living paycheck to paycheck is a reality for a growing share of U.S. consumers, and the financial pressure it creates is reshaping how people spend, save and borrow. PYMNTS Intelligence tracks these evolving behaviors each month, analyzing how income level, age and other factors influence financial stability — and how the stress of making ends meet affects savings habits, credit usage and financial choices.
This analysis is based on monthly surveys conducted online with a US Census-balanced sample of about 2,000 consumers, ensuring representative distribution across key demographic segments (gender, income, age).
