For me until I got a slight pay bump recently. I have devoted all my savings to an oh shit fund. I was also living pay check to pay check. My definition of pay

For me until I got a slight pay bump recently. I have devoted all my savings to an oh shit fund. I was also living pay check to pay check. My definition of pay check is two fold. 1) Having to withdraw from the emergency fund to cover bills/groceries. 2) Hitting 0 in the daily spending bucket, and counting down the days until the next pay date. So there can be some people. With good intent of saving, and putting away what they can. But also being fiscally tight.