Sounds all correct to me, just the second word in your comment: I'm not sure how this adds up to it being a "problem". It's what "paycheck to paycheck" literall

Sounds all correct to me, just the second word in your comment: I'm not sure how this adds up to it being a "problem". It's what "paycheck to paycheck" literally sounds like, it's what the dictionary says it means, it's how people use it -- but apparently not everyone. If you want to refer to people who are financially struggling, not using a broad term but just saying what you mean sounds okay to me?