Today, [78%](https://www.forbes.com/sites/zackfriedman/2019/01/11/live-paycheck-to-paycheck-government-shutdown/#566654074f10) of working Americans are living paycheck to paycheck and over [40%](https://money.cnn.com/2018/05/22/pf/emergency-expenses-household-finances/index.html) of Americans don’t have $400 for an emergency expense.
