Living paycheck to paycheck is becoming the norm in the United States. According to the United States Interagency Council on Homelessness, more than half of Americans live paycheck to paycheck. It is a financial reality that has many looking for financial solutions and frugal living habits to get ahead.On Reddit, member @_DontStayTheSame_ posed the question: "How in the hell do you escape living paycheck to paycheck?"People who have figured out how to successfully avoid living paycheck to paycheck chimed in. These are 15 of the best financial tips and advice they offered. Money Invest GIF by Sara Dietschy Giphy "Take everything I have done pre 35 and do the exact opposite. Only use your credit cards for things you will be able to pay off quickly. If you are buying a car and thinking "That is close but I can do it" for the payment, find a cheaper car. Do what you can to live below your means. If you are a smoker, quit." —User Unknown"Living below your means is key." —@Orual309"Better advice would be to find ways to improve your income but live below your means while you do so you can save up enough to improve your situation long term. Too many people raise their lifestyle with their income without ever taking the time to set themselves up for long term financial stability. That’s how you get people making six figures but somehow still living payday to payday. Obviously if you only make enough to survive until your next pay there’s nothing you can do financially to fix that, it has to be some other kind of change enabling you to make more money like going to school or just applying for better jobs." —@Sparcrypt Colin Jost Snl GIF by Saturday Night Live Giphy "I might get some hate for this but... Live with your parents or only rent a room. Yes rent is expensive as hell and it sucks but sometimes you gotta suck it up and just get roommates. Easier to live with roommates than paycheck to paycheck in my opinion." —User Unknown"Be willing to go back on lifestyle to fix your financial picture. Be willing to accept that you might not be entitled to the lifestyle you have. People think overspending means fancy cars, vacations, and expensive properties, but it doesn’t. It can mean buying a boring commuter car and a house. The baby steps are the first thing:$1000 emergency savings, and a budget. Look back through your transactions for months to see what you actually spend, don’t just guess at your categories.all consumer debt paid off. You should never be carrying a credit card balance. That’s a financial emergency, so if you are, save only $1000 for an emergency fund and put all else toward that debt.3-6 months of expenses saved in a savings account or no-risk investment with immediate liquidity (this is $15,000 for me, for 3 months, for example.)minimum retirement targets met, most importantly taking any employer matchinginvest for other goals like property, children, etc., depending on your needsOnce you’re there, you can use whatever is left over after those savings strategies and your expenses as a discretionary fund. A lot of folks spend discretionary before they have the baby steps accomplished, and it keeps them in debt and living pay check to paycheck, or waiting for that next big cash infusion from something like refinancing their house. The key is discipline. It’s tough, it really is. Seeing the 5 figure deposits to my bank account and knowing that it’s already spoken for can be tough because it’s tempting to want to spend it on a nice car (I’m a car enthusiast) or some other hobby thing, but I know I can’t do that." —User Unknown dance dancing GIF by Real Canadian Superstore Giphy "We are literally about to pay off two cars. Both payments total about $900 a month all together. I didn’t want two car payments at one time, but we both needed a more reliable car at the time. That’s not horrible for two car payments, but it’s going to free up $900 a month for us…. Which is amazing considering my wife is now stay-at-home with a baby. We have started cooking at home, avoid eating out at all costs, only drink home-brew coffee, use grocery points for cheaper gas. I’ve started taking my trash and recyclables to the dump myself, we have cut Live-TV and every streaming and subscription platform we don’t use at least once a day. We don’t, nor have we ever, lived paycheck to paycheck. It’s just nice to save money. The only thing we are splurging on now is a cleaning lady once every two weeks for $140." —@MockASonOfaShepherd"For the TV and streaming, I do one service a month and my cell phone comes with Netflix as a perk. Each month I subscribe to one service for only one month, and watch everything I want on that service. When that ends I let it expire and don't renew. I switch to another one for the month and watch everything there. I get a new collection each month to binge and it doesn't cost me any extra unnecessary money." —User Unknown"Also, learn to use Excel. Being able to visually see where your money goes, all at once, can make your spending make a lot more sense." —@valvilis Heart Love GIF by Microsoft Cloud Giphy "Just buy more money, it's not rocket calculus." —@faceeatingleopard"This. Also don’t order out much. 1 fast food meal everyday of the week (depending on where you go) could have you spending an extra $100 a week that could’ve been spent at the grocery store instead. Learning to cook is cheaper than fast food easily." —User Unknown"Meet people, work hard, get lucky. Marry someone who is financially reliable and life is half as expensive. Switch jobs every 3 years because your raises probably won't keep up with the market. Be mindful of your finances. Avoid credit card debt if you can." —@cavemanfitz"Look into a career whose skill sets will always be in high demand. I pursued my Airframe & Powerplant Certificate. Now I can save and invest. It even made my income-earning ability Covid-proof. Yes, I got laid off a week and a half after starting a new job at a major airline. But 6 weeks later (thanks to my A&P), I got an even better-paying job as a Maintenance Technician at a 3M plant. I bought my first house in 2020. In 2022, I reapplied at that major airline and got hired as a contractor. I took a temporary, and minor, pay cut. Then I got hired direct 6 months later. I’m making a very good living and I’m able to travel the world. For the folks that say 'not everyone can do that'… I started this journey in 2016, making $12/hr at McDonald’s, and renting a room. So I’ve walked in the same shoes as many of the folks that say it’s impossible. No, I don’t have any kids. But I did graduate A&P school with a guy in his early 40’s with 3 kids. From day 1 of enrolling in A&P school up to this very day… I had to keep a strict budget." —User Unknown finances gif Giphy "I made a budget and update it every 3 months to see what it costs to run our family. My goal is to 'pay myself' each paycheck, which is considered savings. The budget generates two numbers. One for expenses plus luxuries, i.e. eating out, alcohol, hobbies, gym etc the other is my expenses without the luxuries in case I ever had to leave my job etc. By putting aside an amount each pay I've aimed and achieved saving 6 months worth of expenses without luxuries. Since doing that, I've then started to make additional payments to my superannuation account/ retirement fund that I can't touch until I retire. Since making the budget it's been an eye opener on where our money goes and how much we can save by cutting out stuff that isn't really worth it. It has also allowed my not so financially minded wife understand our position and gets her buy-in when we set targets for emergency savings or goals for buying stuff for the house or amounts for holidays. It's not full proof and we still have times where most of the pay goes out to expenses that can't be avoided like bills and rates that might all come in at once but its definitely made us feel more in control and enthusiastic about saving." —@CallSignVip3r"You can't "save" your way out of poverty. Budgeting won't solve the problem. Those are just platitudes told to placate the masses. They empirically do not work, but the freak exceptions make good 'feel good' stories. Networking or advancement are the only ways out. Networking works best, advancement takes too long, and is far more probability-reliant. Beg everyone you've ever known for job opportunities. Be shameless." —@EmbarrassedVolume"Rich parents, good health." —@Legitimate_Field_157

Kalvin Bridgewater couldn't quite put his finger on why he felt so off after his newborn daughter arrived. Sure, he was exhausted—babies can cause that. His wife was suffering with crying jags and anxiety, which, as a society, we often pinpoint as postpartum depression. They sought help for her, but Kalvin's mental health continued to decline.He shares on his website, "I didn't even notice how much I was changing myself. My health was declining and my weight went from 200 to 265 from stress eating—food became my only comfort from what I now know was postpartum depression."The National Library of Medicine reports that postpartum depression in men can occur soon after a child is born. "It is frequently reported in mothers but can also occur in fathers. There are no established criteria for PPD in men, although it could present over the course of a year, with symptoms of irritability, restricted emotions, and depression."Bridgewater shares that one day he took their baby for a walk in a stroller. He was joined by about four other dads who would also take their babies for walks together. They started calling themselves the Daddy Stroller Social Club. "This grew to 75 to 100 dads coming out to these events," he shares on a TikTok video that's chyron reads, "These dads turned stroller walks into a powerful support group." @humankind A stroll in the park with their kids has turned into a huge support group for dozens of dads. #humankind @T-Mobile #daddystrollersocialclub #goodnews #kindcore #dadsoftiktok We see the words "Because fatherhood is better together," as Bridgewater continues: "We just started bonding, socializing and creating a community for dads. If we're able to share the knowledge that we receive and get the extra tools. That wasn't passed down to us. To not just be a better father—be a better husband, somebody better in the community."Daddy Stroller Social Club (DSSC), their website makes clear, "was born out of a need for community. The vision was inspired by Eve Akins, a Dallas doula and her community of young mothers that get together on the weekends and uplift each other." See on Instagram The key for DSSC is not only to bond with one another and to be better fathers and partners, but also to spread the word about this rather common mental affliction. "We are committed to de-stigmatizing paternal postpartum depression through community-building, advocacy, outreach, and storytelling. By amplifying the voices of fathers and promoting early intervention, we aim to create a space where fathers and father-figures can access communal support, education, and the wellness services they need in order to be functioning caretakers of their family unit."The TikTok and Instagram comments—of which there are many—are incredibly supportive. One person writes, "This movement is powerful and priceless."On an Instagram reel where the DSSC writes "Propaganda we're not falling for:" they list, in part, "Boys will be boys. Toxic masculinity. Gender roles. Rest equals laziness." A commenter writes, "This is great that you all are dismantling the myths, men go through their own postpartum journey! A lot of my clients are males going through difficulty adjusting to this new phase of life. Let’s continue to normalize this." See on Instagram And one of the most exciting parts? What began in Dallas/Ft. Worth has now spread to chapters around the country. They're called "strides," and they are rolling out quickly—from Atlanta to Los Angeles to Philly and more.It's concrete proof that just taking that (literal) first step can make positive change, not just for one person, but for an entire community.

Not having the proper patience.

Sign up and join us at the July 9 Milwaukee meetup with TheQuartering or the July 13 South Florida Range Day - https://lukeunfiltered.com/ The REAL Reason Trump Dropped an F-BOMB on Israel — Netanyahu’s DOUBLE-CROSS EXPOSED

American grocery stores are selling garlic from china grown in raw human sewage. It’s bleached, dyed white and sold to Americans‌This is real. The problem is so prevalent a 2024 bill was introduced “Sewage Garlic Act” Congress refused to pass the bill “Ask yourself a… pic.twitter.com/1UwQk2GCGo — Wall Street Apes (@WallStreetApes) June 24, 2025

Frank talk: https://t.co/HZ2Xn4rKoz — SGTreport (@SGTreport) June 24, 2025

by Robert Spencer, FrontPage Mag: Barack Obama, now a gray-haired elder statesman of the left, appeared at the Connecticut Forum in Hartford last Tuesday and engaged in a lengthy discussion with a sycophantic historian, Heather Cox Richardson. The welcoming environment apparently led the left’s revered hero to relax a bit too much, for he let […]

by Ron Paul, Ron Paul Institute: Just a few weeks ago in this space I urged President Trump to accept a deal with Iran allowing it to continue pursuing civilian nuclear power while ensuring that it would not pursue nuclear weapons. Iran signaled it was ready to sign such a deal, yet suddenly Trump’s special […]