It wasn’t so long ago that the words “financial freedom” seemed like a distant dream. After all, I was drowning in student loans, which meant I lived paycheck to paycheck. Because of this, I was constantly worried about money. And I hate to admit it, but I may even have missed a payment.
Obviously, I’m not the only one. Based on a Payroll.org survey from 2023, 78 percent of Americans live paycheck to paycheck, up 6 percent from last year. That means more than three-quarters of Americans struggle to save or invest after paying for their monthly expenses.
