one thing that has always been true is that too many people are living paycheck to paycheck and here's the deal at all income levels all ages we see that this can be true because people can stretch their income so far to basically like exactly what they need and then there's no margin left over which tells me for sure it's not always about the money that's the problem sometimes it's about the person handling the money because Building Wealth has always been about Behavior more than a specific dollar amount.