Am I missing something? The article repeatedly mentions that it's a LendingClub/pymnts.com study, but I don't see the actual citation or link[2] so I can review

Am I missing something? The article repeatedly mentions that it's a LendingClub/pymnts.com study, but I don't see the actual citation or link[2] so I can review it myself and drill down exactly what "living paycheck-to-paycheck" means. It makes a huge difference whether we're talking "all disposable income goes to hard-to-exit obligations" like mortgages and credit card minimums, vs "they happen to spend it all on consumption but could reduce it with no problem", and I'd like to know which they mean. From googling the study sponsors and terms I found this press release[1], which might be what they mean (though it's from three weeks ago). The article also links a Federal Reserve study [3], ostensibly as support, but it says 78% are doing okay (sampled over all income levels) or better with 1 in 9 unable to come up with an emergency $400 by any means, though with no connection to the result about $250k income households. The closest thing that study has is a result saying that 5% of adults with incomes over $100k can't fully pay the month's bills (p. 43 by the pdf numbering). [1] https://www.pymnts.com/consumer-finance/2022/paycheck-to-paycheck-has-now-become-the-predominant-way-of-life-in-america/ https://www.pymnts.com/consumer-finance/2022/paycheck-to-pay... EDIT: Looks like this is the one, which references a $250k figure: https://www.pymnts.com/consumer-finance/2022/report-36-of-consumers-earning-250k-now-live-paycheck-to-paycheck/ https://www.pymnts.com/consumer-finance/2022/report-36-of-co... [2] The link anchored to "Lendingclub.com" just goes to a generic company profile page. [3] https://www.federalreserve.gov/publications/files/2021-report-economic-well-being-us-households-202205.pdf https://www.federalreserve.gov/publications/files/2021-repor...