95% or americans are not afloat so that checks out ( https://apps.urban.org/features/debt-interactive-map/?type=overall&variable=totcoll https://apps.urban.org/

95% or americans are not afloat so that checks out ( https://apps.urban.org/features/debt-interactive-map/?type=overall&variable=totcoll https://apps.urban.org/features/debt-interactive-map/?type=o... ) also 35+% of americans have a side hustle so you are taking that 5% too literally :)