According to multiple sources, including LendingClub, between 55% to 69% of Americans are living paycheck to paycheck. The exact percentage varies depending on the source and the time period of the study, but the majority of studies indicate that more than half of Americans are living paycheck to paycheck. The studies also show that this issue affects both low-wage and high-income families alike, with low-wage earners being the most likely to live paycheck to paycheck. For example, almost 8 in 10 consumers earning less than $50,000 a year are unable to cover their future bills until their next paycheck arrives. However, even 4 in 10 high-income Americans, or those earning more than $100,000, say theyre in the same position. Spending habits are a notable part of the problem, with nonessential spending being cited as a reason for living paycheck to paycheck by some consumers.