Many “average income “ people have a checking account for direct deposits of retirement income (electronic credit) and automatic pay of utilities, etc. (electronic debits). Some pay their bills on their computer or phone. However, that said I read a few months ago that approximately 40% of Americans live from paycheck to paycheck and couldn’t come up with $400 of extra cash. Yes, that is a lot of people!
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Most people are as happy as they make up their mind to be. Abraham Lincoln
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