A few things to keep in mind, as always with these Lending Club studies: 1. The study was done by a publicly traded company that has a vested interest in makin

A few things to keep in mind, as always with these Lending Club studies: 1. The study was done by a publicly traded company that has a vested interest in making their business model look strong 2. The report is TOC-walled now so I can't confirm, but in the past it relied more on people's perceptions of their finances than on actual hard numbers and definitions. 3. In past iterations of this survey (can't verify if that's the case here but it probably is), the majority people who self-reported as living paycheck to paycheck also saod that they never have difficulty paying their bills.