You’re more likely to live paycheck to paycheck if you earn less than $50K—or more than $500K—Goldman Sachs says

In 2026, the people most likely to be living paycheck to paycheck are those earning less than $50,000 or more than $500,000 a year, according to new research from Goldman Sachs.

This K-shaped divide has a pronounced impact on their long-term savings at both ends of the income spectrum, the Wall Street giant says.Of the 5,106 respondents in Goldman’s “New Economics of Retirement” study, a little over 60% of those earning less than $50,000 a year were living from one pay slip to the next. That was followed by those in the $500,000 and upwards income bracket, of which approximately 38% said they were living one check to the next.

A similar result was reported across other personal finance metrics the Goldman Sachs team evaluated. Respondents earning more than $500K were the most likely cohort to report having delayed financial goals (80%), followed by those earning less than $50K at approximately 79%.

Likewise, both income cohorts were the most likely to pay the minimum or less on their credit cards—at........

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