Where you live can determine how much you have to spend to get by, but location also has a large influence on how much money you make. The conjunction of all these factors can leave a lot of people short, with too much month left at the end of the money. In fact, according to CareerBuilder, nearly 80 percent of workers in the U.S. live paycheck to paycheck—even folks you might expect to be doing better on a six-figure salary. Some 10 percent of them are stuck for a spare buck by the end of the pay period, too, with 12 percent of Americans actually living in poverty (less than $26,200 for a family of four, in most states). That's not to say there aren't a bunch more barely eking out an existence; almost 18 percent of Americans don't even make 125 percent of the poverty threshold for their households (less than $32,750). Clever.com checked into all these factors and more, and came up with the places where people come up the shortest on cash rather than having extra funds left to splurge with or save. Different areas, of course, exert different forces on people's budgets, with some spending more on housing and less on food, or more on transportation and less on utilities. And while financial types advise breaking one's income into 50 percent for living expenses, 30 percent for discretionary spending and 20 percent for saving, we all know that's not happening for most people, especially since collectively Americans are carting around $4 trillion in debt—and that's not counting mortgages. In fact, says Clever.com, the average American has less than $140 left over each paycheck—and of course that "average" means that there are plenty of folks who have even less, if anything. And the average American spends nearly 60 percent, not 50, of their income on living expenses, with the problem widespread. Just 13 of the 75 most-populous metropolitan areas spend less than 80 percent. That drives a lot of people to take in roommates, or to become one. Zillow figures indicate that more than 30 percent of adults lived with at least one roommate in 2017, up from just 22 percent in 2000. Check out the gallery above for the top 10 cities that will put you in the hole by the time your next paycheck comes. READ MORE: |

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