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Did you know that 100 million Americans live paycheck-to-paycheck? 40% of Americans couldn't come up with $400 in the event of an emergency. These are your neighbors, family members, and friends, salary as well as hourly. Why is this happening in the richest country in the world? And what can be done? Structure of pay is important, the amount of pay is important, but no one has been talking about the timing of pay . . . until now.