A new Talker survey conducted on behalf of EarnIn finds that the average American spends more than a third of their paycheck within 12 hours of receiving it. By 48 hours, nearly half of their pay is gone.
Millennials lead all generations in early spending, using an average of 40% of their paycheck within the first few hours after it arrives. The survey of 2,000 employed Americans, split evenly by generation, found that most of that immediate outflow goes toward essentials.
More than half of respondents said they pay for groceries or other necessities right away (52%), while 48% cover bills due within the week and 42% make major payments such as rent or credit cards. About one in three (32%) handle smaller obligations like utilities or subscriptions.
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