Amazon remains a dominant force in taking on traditional brick-and-mortar businesses. Their entry into the grocery space, with the acquisition of Whole Foods, will put an even greater amount of pressure on big-box retailers such as Walmart. While both retailers draw consumers who are looking for affordable prices and the ability to find just about everything in one place, Americans living paycheck to paycheck may have different considerations when choosing where to shop.

Among those living paycheck to paycheck, roughly 1 in 8 streaming subscribers had an overdraft fee in the last year triggered by their subscription, tacking on a $35+ overdraft fee for a service that costs a third of the price.

Wage analysis by EarnIn finds that the common two week gap between paychecks is too wide for most Americans, many of whom lack the savings to cover even a single month of expenses.

If you ever have spending problems, you need to treat your budget like a recovering alcoholic treats AA meetings. You may not love dealing with it, but it keeps you on track to do the right thing.

Banks have historically profited because people didn’t have many financial options. Now, people have choices and they want their banks to either get on board with these changes or get out of the way.