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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};ge("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat($n)),notifLabel:document.querySelector(".".concat(Xn))};t.notifDropdown&&so(e,t)}))}()}};]]>Vishesh RaisinghaniWed, February 25, 2026 at 1:30 PM GMT+1 5 min readAt the end of 2025, American households were collectively sitting on $18.8 trillion in aggregate debt, according to the Federal Reserve Bank of New York (1).Meanwhile, 87% of U.S. adults surveyed by Talker Research said the lack of affordability for basic essentials has hit “crisis” levels in America, and nearly half (46%) of these respondents expect the crisis to get worse in 2026 (2).Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howDave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAPTurning 50 with $0 saved for retirement? Most people don’t realize they’re actually just entering their prime earning decade. Here are 6 ways to catch up fastSimply put, many families are struggling to make ends meet and are borrowing at a staggering pace to plug the gap.In this environment, what you do with your paycheck once the money hits your account is very important. If much of your income immediately disappears because of non-essential purchases, you’re likely setting yourself up for financial troubles.To avoid this issue, here are five steps that, if executed in order, can help you spend your money more wisely once it’s in your account.Carrying expensive debt is like having the power of compounding work against you. This is why paying off debt — especially if it’s the high-interest variety — should be the first thing you do when a paycheck comes in.At the end of 2025, American households had a record-high $5.17 trillion in non-housing debt, including $1.67 trillion in auto loans and $1.28 trillion in credit card debt, according to the Federal Reserve Bank of New York (1). Credit card interest rates can range from 20% to 25%, according to SoFi, which highlights just how big this financial drain can be on your finances (3).Paying off your most expensive or largest balances first could help you make steady progress on tackling your debt.After tackling your debt, the next priority should be creating a safety net for your personal finances.In a recent survey from U.S. News, roughly 43% of American respondents said they don’t have enough savings to cover a $1,000 emergency (4). If you’re part of this group, setting some cash aside from every paycheck to create an emergency fund should be near the top of your priority list.Your rent, mortgage payment, utility bills and groceries are unavoidable expenditures, which means it’s wise to allocate a decent portion of your paycheck to these essentials.Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,908.86 -37.27 (-0.54%)Dow 3049,499.20 +17.05 (+0.03%)Nasdaq22,878.38 -273.70 (-1.18%)Russell 20002,677.29 +13.96 (+0.52%)VIX18.63 +0.70 (+3.90%)Gold5,208.40 +14.20 (+0.27%)Trending tickersNFLX Netflix, Inc. 84.59 +1.88 (+2.28%)XYZ Block, Inc. 54.53 +2.59 (+4.99%)CRWV CoreWeave, Inc. 97.63 -0.38 (-0.39%)DUOL Duolingo, Inc. 117.45 +5.80 (+5.19%)RKLB Rocket Lab Corporation 72.65 +2.45 (+3.49%)PortfolioSign in to access your portfolioSign inTop gainersSEZL Sezzle Inc. 84.70 +22.08 (+35.26%)LMAT LeMaitre Vascular, Inc. 113.69 +22.31 (+24.41%)FA First Advantage Corporation 11.69 +2.17 (+22.79%)IONQ IonQ, Inc. 40.88 +7.29 (+21.70%)HPP Hudson Pacific Properties, Inc. 7.69 +1.33 (+20.91%)Top losersEOSE Eos Energy Enterprises, Inc. 6.74 -4.39 (-39.44%)ACMR ACM Research, Inc. 57.04 -11.43 (-16.69%)FOUR Shift4 Payments, Inc. 48.41 -8.96 (-15.62%)FSK FS KKR Capital Corp. 11.29 -2.03 (-15.24%)MIRM Mirum Pharmaceuticals, Inc. 92.19 -16.43 (-15.13%)Most activeNVDA NVIDIA Corporation 184.89 -10.74 (-5.49%)EOSE Eos Energy Enterprises, Inc. 6.74 -4.39 (-39.44%)NU Nu Holdings Ltd. 15.06 -1.59 (-9.55%)PLUG Plug Power Inc. 1.9100 0.0000 (0.00%)AAL American Airlines Group Inc. 13.94 +0.62 (+4.65%)Top economic eventsEarnings eventsMy earnings eventsEarnings events