People struggle financially because they’re playing a game that’s impossibly difficult, not because they’re irresponsible.

People struggle financially for lots of reasons. Almost always, those reasons lead to not having money in their bank account.

A 2018 study found that 40% of Americans would have a tough time covering a $400 emergency expense. A 2020 study found that 9 of 10 employees report the pandemic is causing financial stress, with the number-one stressor being a lack of money in the bank.

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