<s>[INST] Here's a frightening statistic: 60% of all adults questioned said they would be unable to meet their financial obligations if they missed one pay period! These dire predictions are confirmed by a survey by the American Payroll Association, which found that 67% of employees said they would " probably have to alter their daily financial routine" if their paycheck was delayed by just one pay period!

These findings paint a pretty grim picture of people's financial stability in the face of unexpected events or delays in receiving their paycheck. I'm sure many of us can relate to the feeling of living paycheck to paycheck. But what's behind this phenomenon?[/INST]