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Pets

Woman builds an elaborate hotel in her yard for stray cats to stay cozy through the winter

People are calling it "Hotel Catifornia" and "The Fur Seasons."

cats, snow, winter, stray cats, strays, kindness
Images via Canva

A woman in China provides a cozy home for stray cats in her neighborhood.

When winter comes around, people may wonder how stray animals stay warm and safe. Stray cats in particular are highly adaptable creatures and their home is the great outdoors, so most of the time there's not much that people need to do to protect them. But when temperatures dip to dangerous levels, caring humans naturally want to make sure strays have a place to go to get out of the harsh elements.

One woman has taken that desire to a whole new level with an elaborate cat apartment she built for the many stray cats in her neighborhood. We're not just talking about a shelter–it's like luxury hotel living for her feline friends. The apartment has multiple rooms, cushy blankets that get taken out and cleaned, and even a temperature-controlled water source so they're always able to find drinking water in frigid temps.

Check this out:

The woman who built the apartment actually lives in China and was sharing her videos on TikTok, but it seems her account has since been deactivated. This hasn't stopped people from talking about her and her impressive project, though. This thread on TikTok contains updates about the cat hotel from people finding and reposting the adorable story.

Welcome to the Meowtel Catifornia

Of course, the clever hotel jokes and puns started rolling in first thing:

'Welcome to the hotel catifornia."

"Such a lovely place."

"They can check out any time but they won't ever leave ^^"

"I prefer Hotel Calicofornia."

"Meowriott."

"Given my skill, mine would be more like Meowtel 6."

"Pawliday Inn.'

"The Fur Seasons."'

"Meowne Plaza."

People loved seeing the care and ingenuity she put into the "meowtel," as well as how happy the cats seem with the arrangement. In fact, some people were sure their own house cats would move out just to go live in this kind of cat commune.

"My cat just looked at me and sighed…"

"All the neighbours be looking for their cats and they’ve bailed to live at the kitty motel."

"They’d pack their little bags and move in without a second thought."

"They wouldn't even wait to pack their bags."

"Alright Carol it’s been real but we’re gonna head out. Found a great deal on a luxury apartment so yanno… take care."


Cats live where they want when they want

cats, stray cats, pet cats, felines, kittiesKitten snuggled in a person's arms. Image via Canva.

Those people may have been joking, but several others shared that their cats really did ditch them to go live with neighbors who had more desirable living situations.

"I’ve had two cats do this. One was annoyed at our second dog’s puppy energy so she moved in with an older lady a street over. We used to see her all the time until she passed. The other missed our kids being little so she moved next door where there’s a little girl. We talked to both neighbors and said if they get sick of them to let us know and we’ll take them back but both lived the rest of their lives with their new families."

"One of our cats moved next door because he loves children and wanted to be with the little girl next door. Because it’s a very small village, he goes to the school most days to wait for her and they come home together. School is 3 buildings away."

"We had a cat do the same thing about 20 years ago. She hated the barks of our new puppy and would put her paw on his mouth to try and stop it. One day, she slipped outside and I found her a month later, two streets over, hanging with a couple who didn’t have a dog. They said she just showed up at the door and moved in. I gave them all her cat food and hope she had a nice quiet life."

Is it a bad idea to feed and shelter stray cats?

cats, stray cats, feeding cats, feral cats, shelter catsCats eating kibble on the street.Image via Canva

People have differing opinions about whether it's good to feed stray cats or not, as cats can cause problems for local wildlife and it's not great to encourage an increasing stray cat population. According to Catster, in the United States alone, an estimated four billion birds and 22 billion mammals (such as mice, voles, rabbits, and shrews) are killed annually by both domestic and stray cats. In Canada, cats are the number one of killer of birds, killing "between 100 and 350 million birds every year." These numbers are staggering, but the bird and small mammal populations can be protected if stray cats are cared for responsibly: namely, spaying and neutering those in your area to cut down on the population and finding homes for those who are friendly and comfortable with humans.

According to the Feral Cat Coalition of Oregon, here are the best practices for feral and stray cats:

- Spay/neuter to prevent additional litters

- Find homes for friendly cats

- Feed outdoor cats on a schedule

- Remove food & dishes when they are done eating

- Pick up scraps and keep the feeding area tidy

- Provide fresh water

- Provide a warm place for the cats to sleep

So, go ahead and care for those kitties and keep them warm through the winter—just make sure they can't make any more kittens.

This article originally appeared last year. It has been updated.

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Joy

5 small things that made us smile this week

Your weekly cheat sheet to the best of the Internet

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Life can be bleak, so we’re going to be celebrating the small joys while we can—whether that’s a sweet snack that boosts your mood (courtesy of our friends at All In), or a tweet so perfectly timed it restores your faith in the algorithm (even if only for a second). These momentary mood boosters are everywhere you look—you just have to be able to find them underneath all the noise. And that’s where we come in.

Consider this weekly web series your cheat sheet to the best of the Internet—not just random memes to make you laugh, but examples of people truly finding something extraordinary in the mundane. Each Friday we'll be delivering five pieces of media that allow you to stop for a second, take a breath, and feel just a little bit brighter among the daily stress. (Think of us as your chronically online bestie who knows exactly how to make you smile, exactly when you need it the most.)

Ready to smile? Here we go.

1. Babies (mis)pronouncing foods 

@gdun

safe to say he likes apples 🤷🏻‍♂️

♬ original sound - gdun

There are few things more precious than a baby learning how to pronounce words (usually incorrectly), and TikTok creator gdun knows it. In a viral, multi-part series, this creator has captured his toddler trying to pronounce the names of different foods, and it’s almost impossible not to smile while you’re watching these. Peas are “peeeth,” pizza is “more this!” and pancakes are simply a terrified “no.” We could listen to these all day.

2. This tiny, lip-syncing diva 

@backyardchickendiaries 🐓🪞✨ #backyardchickens #midwest #fypシ #minnesota #coop #bokbok #eggs #poultry #birds #mybabies #chickens #mealworms #peckingorder #herechickychicky #weekend #treats #bean #millie #girdy #violet #five #australarp #barredrock #cuckoomaran #orpington #lavender #egger #silverlacedwyandotte #trend #viral #blowthisup #chickencrazy #mybabies #cluckcluck #featheredfriends#blowthisup #iwasjustthinkingaboutit #viral #trend #chickencrazy #chickencommunity #homestead #futurefarmer #gardening #sourdough #chickens #polish #followme #views #silkie ♬ original sound - FEEL GOOD SONGS

TikTok is known for creators who lip-sync along to their favorite tunes, but the star of these videos blows them all away. Brace yourselves–he’s a rooster.

You heard that right. TikTok creator backyardchickendiaries has managed to create several videos of his rooster lip-syncing to songs extremely convincingly, the rooster’s actions perfectly coordinated with the inflection of each individual note. The transitions, the close-ups—it’s a verifiable masterpiece. The entire video deserves a watch (and a standing ovation) but skip to 0:57 for the best part.

3. This small (but brilliant) shift in perspective 

This week in Central Park, our friends at All In are asking people “What brought you out here in the park today?” One of the answers they captured has us totally rethinking our perspective on life.

When posed with the question, Jessica Harrison (@howdyjess on Instagram) answered that as she and her friend were sitting and people-watching, they noticed that no matter how interesting or strange or quirky anyone was acting in a given moment, they were ultimately doing “the right thing for them.” This is a fantastic way to view the world, if you ask us—reserving judgement and just assuming that everyone is trying their best. Harrison calls this “aggressive benefit of the doubt,” or ABOD, and says in the video she’s going to “take that reframe and apply it to other areas of my life.” And you know what? Same.

4. David Attenborough's biggest (smallest) fan

Max Evans-Browning and a homemade birthday present for his hero, David Attenborough

ichef.bbci.co.uk

If you’ve ever seen the famous Life documentary series, you’re already familiar with the great David Attenborough—an English biologist who’s worked more than seventy years (70!) creating films that celebrate the natural world. Attenborough has been making documentaries about animals and nature since the early 1950s, and since then he’s used his platform to educate the masses about climate change and other environmental issues, hoping to protect Earth and the species who call it home. Last month, Attenborough turned 99, and to celebrate, fellow nature lover Max Evans-Browning made him a birthday present—an eight-page mural that features 99 of Attenborough’s favorite animals.

Evans-Browning’s mother, Samantha, said in an interview with the BBC that Max not only loves animals, he’s been a fan of Attenborough and his work “from the moment he could talk,” watching his documentaries and even dressing up like him for World Book Day. Max “spent hours” researching Attenborough’s favorite animals and is now hoping his pictures will reach the man himself. No word on whether that’s happened yet, but either way, this has to be the best birthday present he’s ever received.

5. The sacabambaspis is trending again

i.kym-cdn.com

Speaking of animals: this handsome fella is making a reappearance on social media—and, yes, he’s real. Feast your eyes on the sacabambaspis, a jawless, prehistoric fish that looks like a Pokemon and lived more than 450 million years ago.

According to Know Your Meme, the sacabambaspis started becoming widely known in August 2022, when Twitter user Kat Turk posted a picture of a reconstructed model of the fish on display at the Natural History Museum in Helsinki, Finland. The animal’s bizarre appearance not only caused Turk’s tweet to go viral, it also spawned a huge interest among internet users in China and Japan, who immediately started turning the sacabambaspis into merchandise, including stickers, t-shirts, and more. It’s been a meme ever since.

We’re not exactly sure why the sacabambaspis is going viral now, in June 2025, but you know what? We’re here for it.

For even more “extra”-ordinary moments, come find us on social media (@upworthy) or on upworthy.com!

For scrumptious snacks that add an extra boost of joy to your day, be sure to check out All In.

Education

American English includes one of the rarest sounds on Earth, but we use it all the time

Er…this is odd.

Photo credit: Canva

Learning to make sounds we didn't grow up with can be tricky.

When (or if) kids learn phonics at school, they're taught the symbols that go with sounds of their country's native language or languages. People all around the world grow up learning to make specific sounds with their mouths by imitating the language(s) they are immersed in, which can leave us completely unaware of how many other sounds there are until we hear a language that's far different from our own.

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Even the common foreign languages that American school kids learn have sounds that can be tricky to get down. The rolled "r" in Spanish. The nuances of French vowel pronunciations. The glottal stops in German. The sound that's a mix between "r" and "l" in Japanese. And for people learning English, one of the trickiest sounds to get down is "er," as in the American pronunciation of "bird," "world," "summer," or "percent."

Oddly enough, for as common as the "er" sound is in English, it's linguistically rare. According to the Linguistics Channel @human1011, the "er" sound is found in less than 1% of the world's languages, rarer than the click consonants found in some languages in East and Southern Africa.

- YouTubewww.youtube.com

As rare as the sound is, there are a lot of people in the world who use it, mainly because it's also used in Mandarin Chinese, or at least many variations of it. So, while there aren't many languages that use it, by sheer numbers of people, it's not that uncommon.

"So, a sound that's so rare that it's in less than 1% of the world's languages just happens to exist in the two most spoken languages on Earth? Can that really be a coincidence?" the @human1011 video asks. Well, yes. English and Chinese don't share a common linguistic root, so those sounds just happened to evolve in very different parts of the planet. According to some people in the comments of the video, there are regional dialects in Brazil where the "er" sound is used and in certain parts of the Netherlands as well.

Pronouncing the "er" sound is hard if you don't grow up with it, largely because it's all about the placement and shape of the tongue inside the mouth combined with the way the lips are positioned. That combination is physically tricky to show someone. This video, from a non-native-English-speaker does a good job of explaining the mouth movements that create the sound.

- YouTubewww.youtube.com

What's particularly interesting about the "er" sound in American English is that it functions as a vowel sound. Most of us learned that the vowels in English are a, e, i, o, u, and sometimes y, and that's true as far as written vowels go, but vowel sounds are different. In the word "bird," the letter "i" is a vowel, but doesn't make any of the "i" sounds that we learned in school. Instead, the "ir" combine to make the "er" vowel sound. It's called an r-controlled vowel, and we see it in tons of words like "work," "were," "burn," "skirt," etc.

Learn something new every day, right?

Here's another video that explains the physical aspects of articulating the r-controlled vowel sound.

- YouTubewww.youtube.com

Most of us don't think about the fact that sounds we pronounce without even thinking about it have to be specifically learned and practiced by people who didn't grow up with them. It's not until we start trying to learn a language that's different from our own that we see how many sounds we have to work hard to make, sometimes even having to train our mouth muscles in ways they've never been used before.

It's also a good reminder to be patient and kind with people who are learning a language. It's not easy, and anyone making an effort to communicate in someone else's language deserves our grace and kudos.

You can follow @human1011 on YouTube for more interesting linguistics trivia.

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Planet

Heartbroken weatherman stops mid-report to explain on live TV why he 'can't' forecast anymore

"We may be flying blind" from now on.

NBC6 & Canva Photos

John Morales stopped his report to educate viewers on what budget cuts really mean.

I hardly ever watch the news on television, especially not for the weather. It's just so much easier to pick up my phone and check Google or The Weather Channel. I just want to know how warm it's going to be or how likely it is to rain. These days, I can find that out in about 10 seconds and go about my day.

But when there's potential danger—hurricanes, storms that might knock out the power of topple over trees, tornado warnings, or threats of ice and snow—my trusty local meteorologist or weatherman is always there. All of that said, I've never once considered that I might not be able to get my weather forecast from either source, at least not accurately. It's 2025—our weather modeling should be better than ever, state of the art, right?

John Morales, a meteorologist and hurricane specialist with NBC6 in South Florida, was reporting on an upcoming storm when he suddenly shifted gears, right in the middle of the broadcast.

weatherman, weather, meteorologist, news, tv news, news anchor, viral videos, trump, doge, governmentWithout good data, we can't accurately predict the paths of hurricanes. Photo by NASA on Unsplash

Morales explains that in his 34 years of presenting the weather, he's always been able to confidently tell his viewers when a hurricane might hit, or when it might turn away. He's always been able to stand behind his data, modeling, and forecast in order to help protect the people of South Florida.

"I am here to tell you that I am not sure I can do that this year."

Why? "Because of the cuts, the gutting, the sledgehammer attack on science in general."

Morales then pulled up a graphic instead of his usual weather map. It laid out some stark realities about severe understaffing of the National Weather Service, and the National Oceanic and Atmospheric Administration. Between brutal layoffs, employees accepting the recent DOGE buyout, and straight-up resignations, the agencies responsible for collecting weather data have lost hundreds and hundreds of valuable experts.

He also explained that due to federal government budget cuts, there's been a sizeable decrease in weather balloon launches across the country. Weather balloons are instruments that take crucial measurements of the upper atmosphere and send data that helps with forecasting. With less data available, and lower quality data, Morales say that "the quality of forecasts is becoming degraded."

That's a pretty scary thought, especially in a place like South Florida. What do you do when your local meteorologist can't predict what a powerful hurricane will do next?

"This is a multi-generational impact on science in this country," Morales warns.

Watch his passionate plea here:

Almost nine million people viewed the powerful clip on X. It was reshared over 26,000 times. Morales' message is definitely getting the attention it deserves.

It's not just the National Weather Service that's bleeding. In the name of efficiency, The White House has slashed budgets at the CDC, the National Institutes of Health, and more. Trimming the federal budget sounds well and good until you realize that we won't be making any major cancer breakthroughs any time soon without funding the research. And we won't be able to protect people from hurricanes and tornadoes without complete weather data.

(And yes, even the Weather app on your iPhone needs a database to pull from.)

Meanwhile, we're spending $1 trillion—yes, trillion— per year on our military. This is the anti-science, anti-expert sentiment Morales is talking about. It's been building for years and is just now coming to a head in the worst way.

We still need meteorologists and weather experts like Morales. We still need scientists.

weatherman, weather, meteorologist, news, tv news, news anchor, viral videos, trump, doge, governmentWe still need human scientists and experts that can compile and read maps like this one. Photo by Brian McGowan on Unsplash

ChatGPT can pull weather data from Google and tell you if there's going to be a thunderstorm, but can it tell you when the data behind that forecast is incomplete or unreliable? That's the reality we're facing right now, and we might not know the forecast isn't reliable until it's too late in some cases.

TV weathermen who live in our communities and can put crucial context behind the weather and help keep us safe still matter. Not only that, but they are ambassadors for science, and they still have a big platform in many communities around the country. Morales is making sure he makes the most of his.

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Teachers

Entire graduating class shows up at their kindergarten teacher's house for a surprise thanks

Now THAT is a sweet high school reunion.

Photo credit: Canva

Letting teachers know they made a difference is a gift they'll never forget.


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Kindergarten is one of the most formative experiences in a child's life. Not only do they learn there how to navigate the tricky world of friendships and the seeds of independence, they also start their education journey. All of that is made extra special if they have a teacher who really loves them. When you're a kindergarten teacher, you know that you have the power to make a serious impact, and that shouldn't be taken lightly. A retired kindergarten teacher warmed hearts on TikTok as people learn just how great that impact is.

In the video shared by user Kim Hamilton (the daughter of said teacher) in 2022, a woman, who is identified in the comments as Mrs. Pearson, is sitting on her porch when a girl in a cap and gown shows up at the gate. "Congratulations!" Mrs. Pearson calls out, waving. Soon, she realizes that the young girl isn't alone.

@kimhamilton15

#kindergartentograduation

"What's happening?" she asks her daughter, who can be heard chuckling behind the camera.

"They're your kindergarteners," Hamilton replies, as kids in caps and gowns start filing through the gate.

"Did you know this was happening?!" Pearson asks, the shock and joy clearly evident on her face.

"Oh my gosh, I love you all! Look at you!" she exclaims as she runs over to the kids.

graduates, graduation, cap and gownHigh school graduation is a pivotal milestone for teens.Giphy GIF by Kelsea Ballerini

Hamilton explains to her that these kids, clearly high school graduates, are the last group of kindergarten students Pearson taught before retiring. As each one of them comes into the gate, the joy on Pearson's face grows exponentially. It's clear that these kids were her babies, and even though now they're all grown up and going off to college, they'll always have that special place in her heart.

"Oh my god, you're all just gorgeous!" she says, giving each one a hug.

graduation, graduate, cap and gown, hugging graduateTeachers love to see their students succeeding, no matter how long it's been.Photo credit: Canva

The kids are just as happy to see their beloved Mrs. Pearson as she is to see them. They eagerly shuffle together to pose for a picture as she just stops and looks at them, taking it all in. Presumably, she hasn't seen them much in the approximately 12 years since she retired. Maybe they've seen each other around—as a kid, I loved running into my teachers outside of school. I still do. But the fact that these kids showed up to see her, to allow her to celebrate her integral role in their lives, that's really special. And I'm not the only one who thinks so.

Here are just a handful of the comments people left on Hamilton's video:

"Proof they never stop being our kids after they leave us."

"The love she showed and was shown, she must have been one heck of a teacher 💕"

"I started crying when your mom did."

woman tearing up, getting emotionalBig Brother Omg GIF by Global TVGiphy

"Love this! ❤ I teach kindergarten and only hope my students will remember me like this! She must have been extraordinary!"

"Literally teachers like HER are the reasons I still talk to my teachers from middle school, HS & college🥺 good teachers are so special."

"The best gift a teacher can receive is seeing her former students bloom."

Teachers can truly make a lifelong impression on us, for better or for worse. When you get a good teacher at any age, it's never too late to offer them your gratitude and appreciation.

This article originally appeared three years ago.

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Mental Health

Expert shares three realistic ways you can actually increase your emotional intelligence

"Emotional intelligence is learned and learnable at any point in life."

Canva

Two hands clasp. Post-it notes about emotional intelligence

Most of us understand the concept of measuring intelligence through testing like IQ exams. What are our cognitive abilities? How well do we retain information? But the idea of measuring emotional intelligence—now that's a different story.

On their website, Yale University says motional intelligence (EQ or EI) is "what gives us the ability to read our instinctive feelings and those of others. It also allows us to understand and label emotions as well as express and regulate them," according to Marc Brackett, Ph.D., founding director of the Yale Center for Emotional Intelligence.

The term "emotional intelligence" has become a bit of a buzzword in the last three decades. This is because, even though the idea has been around for a while, it was made quite popular in the mid-90s by psychologist Daniel Goleman in a book called Emotional Intelligence – Why It Can Matter More Than IQ.

So the question is: how can we learn to implement the traits of highly emotionally intelligent people? Goleman himself shares the tips and tricks that any of us can learn on YouTube's Big Think channel.

- YouTubewww.youtube.com, BigThink Channel

He explains that one's EQ is "a combination of self-awareness, managing your emotions well, empathy, tuning into other people, and putting that all together to have harmonious or effective relationships."

Broken down into four domains—"self-awareness, self-management, social awareness, and relationship management,"—Goleman begins with the broader strokes:

1. Self-Awareness

Just the concept of self-awareness alone, he notes, has been around for centuries. He specifically quotes the famous Socrates notion of "Know thyself," which truly is the crux of the idea. "Self-awareness means you know what you're feeling, you know how it shapes your perceptions and your thoughts and impulses to act," says Goleman.

2. Self-Management

Goleman asks, "When you're upset, when you're angry, when you're anxious, can you manage your emotions? Can you keep them from disrupting your focus on what you have to do right now?"

3. Social Awareness

How empathetic are you? "You not only know how a person thinks and how they feel–you care about them. This is what you want in your parents. This is what you want in your spouse." (He goes on to list "lover, friend, teacher, doctor, leaders of any kind.")

4. Relationship Management

This refers to how well you can handle conflicts with others. He asks, "Are you being an effective communicator?" The good news, Goleman tells us, is that EQ is "learned and learnable at any point in life."

listening, empathy, high emotional intelligence, learningA woman leans in to listen. Giphy, Interested Go On, Schitt's Creek

1) Learn to listen

We so often, Goleman explains, "think about what we want to say and don't really listen to the other person. We cut them off. We interrupt." But if you want to increase your EQ points, "this is the basis of empathy–listening well."

"So if you want to learn to be better at empathy, you might say, 'My habit is cutting people off and interrupting. I'm gonna make the effort to do it differently. I'm gonna listen to the person out. Say what I think they mean and THEN say what I think.'"

Someone may ask how that could be done? Goleman tells us our brains can actually change in terms of neuroplasticity, after repeated behaviors. Change the behavior, change the mind.

"That’s what it’s like to change a habit. So with listening, you have to, at first make an intentional effort. It might feel uncomfortable. But as you persist, it gets more and more comfortable until finally, it’s an automatic habit that will stay with you for years."

2) Look to leaders you admire and mimic them

An interesting question Goleman likes asking his readers and audiences is, "Tell me about a leader you've loved and a leader you hate, and tell me one quality that makes a leader so good or so bad." He goes on to explain the leader you love most likely is high in emotional intelligence. "Research at the Yale School of Management has found that emotions are contagious, and they’re most contagious from the leader outward. The leader is most often the center of strong emotions, either negative or positive."

Part of what makes a great leader is the regulation of those emotions. Once you start regulating your emotions and reactivity, you can emulate the leaders you find inspiring.

On the @riseandconquer Instagram page, they note that having emotional intelligence isn't akin to "being Zen" all the time. "It's how you respond."

3) Reach out to people with kindness. It will be contagious.

kindness, empathy, love, emotional intelligence, goodMake People feel loved written on a wall Photo by Clay Banks on Unsplash

Goleman tells an inspiring story about a bus ride he once took in Manhattan wherein the bus driver was above and beyond friendly. People, he said, would arrive grumpily "in their own bubble" and seemingly leave in a better mood.

"Years later, I saw an article in The New York Times about that bus driver. His name, it turned out, was Govan Brown. He had fans. People would wait for his bus. He got three thousand letters saying what a great bus driver he was, not one complaint....He had a purpose that was far greater than that of the New York Transit Authority, which is something like getting as many people to where they want to go on time as we can. He had a splendid sense of what he was doing. It gave a greater meaning to what he did, and he did it superbly."

Any of us can choose to do this at any time. Again, the more we change our behavior, the more our thoughts will change leading to, you guessed it, a higher EQ.

Goleman reiterates, "I’ve always felt that the more emotional intelligence in society, the better. I think we would have parents who are more effective in raising kids, who are kinder. We’d have more compassion for each other in our interactions with friends and loved ones as well as with strangers. I think we would care more about the environment, which is why I’ve been happy to be a kind of evangelist for emotional intelligence, if you will. I’m not the originator of the phrase. I think I made it more famous.

I just think it would make a better world."

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Family

'Thrown into adulthood without a map': Americans share why they live paycheck to paycheck

"Lord help you if you don’t have dental insurance and need root canals."

via Canva/Photos

A woman and her husband doing their bills.

It’s a little tricky to determine how many Americans live paycheck to paycheck because the term is vague. Some people, who have plenty of money in savings, say they live paycheck to paycheck because they spend all of their money before their next check arrives. However, they make ample contributions to their savings accounts and are in good financial shape. Others genuinely spend every dime they make and have very little savings to deal with an emergency.

How many Americans live paycheck to paycheck?

The Federal Reserve found that 54% of Americans have emergency savings to cover three months of expenses, and Bankrate found that, while 59% of Americans are uncomfortable with their level of emergency savings, 34% are living paycheck to paycheck. According to CNN, the paycheck-to-paycheck problem isn’t getting any better. The drastic increase in the cost of living since the pandemic has a growing number of people living paycheck to paycheck.

A Reddit user recently tried to understand why so many people in the wealthiest country on Earth are financially stretched thin.

broke, bills, paycheck to paycheck, scared woman, finances, american lifeA couple who needs financial help. via Canva/Photos

Why are Americans living paycheck to paycheck?

“At first glance, it seems obvious: people just don’t make enough money, right? But the more I read and the more conversations I had, the more I realized that income is only one piece of a much bigger puzzle,” they wrote. “For a lot of Americans, the real issue is a mix of rising living costs, debt, and—most importantly—a lack of financial education. Most of us aren’t taught how to manage money. We don’t learn how to budget, save, plan for emergencies, or even think long term. Schools rarely touch on it, and if our families didn’t model strong financial habits, we’re basically thrown into adulthood without a map. So people just figure it out as they go — often by trial and error. And when that ‘error’ is maxing out a credit card or missing rent, the consequences are heavy.”

Over 1,100 people shared why they’ve lived paycheck to paycheck. It’s sad to see so many people struggling, but it paints a clear picture of a complex problem. We collected 13 of the best responses to the question: “What is the main cause of Americans living paycheck to paycheck?”

13 reasons why Americans are living paycheck to paycheck

1. One emergency to the next

"Bills. Lord help you if you don’t have dental insurance and need root canals. Which will always be followed by car repairs or home maintenance. There goes the emergency savings account."

"THIS !!! I was just starting to feel good! Caught up on bills, saving for emergencies, finally contributing to my retirement then a random light flashes on my Car dashboard. There goes all the emergency money I built up ………sigh it’s just always something."

2. Scarcity mindset

"For me it is largely scarcity mindset from a childhood of poverty. I learned that money doesn't stick around. If you have $100 then you need to spend it on what it needs to go to or something else will 'eat it.' Some fee, or unexpected cost will always be around the corner, and there is never enough money to do everything, so spending us constantly triage."

"This is 100% the difference in the mindset of poor people and rich people. Poor people think of money as just something to spend. Rich people think of it as something to accumulate and put to work for themselves."

broke, bills, paycheck to paycheck, scared woman, finances, american lifeA couple looking at bills/via Canva/Photos

3. The system sets people up

"The overall system sets people up for becoming interest and profit generators for wealth holders of all kinds. The power is completely lopsided, and the rules are set up to deliberately turn customers into cash machines. Regular folks aren't equipped to protect themselves from it, thanks to taboos around talking openly about money and finances as well as the finance industry's slick bait, hook, and land tactics."

4. Car payments

"Sooo many people buying waaaaay too much car. Everyone needs a huge luxury SUV for their three-person family, apparently. Or a giant truck because they're towing once a year. What makes it even worse is that those more expensive cars have more expensive maintenance and repairs and tires and gas bills. You also see people do this with houses. So many posts from people trying to justify buying a much larger house than they need and trying to make the financials with. 'How much house can I afford?' instead of 'how much house do it really need?'"

5. The rent is too high

"Rent has gone thru the roof and in order to get approved to live anywhere or buy your own home, you need to make 3x the rent. The grocery list that would cost you $50 5 years ago now costs you $100. God forbid you have a medical problem."

"I was going to say it's primarily rent and groceries for a lot of folks. Rent is really high a lot of places for pretty basic dwellings."

broke, bills, paycheck to paycheck, scared woman, finances, american lifeA woman who has run out of money.via Canva/Photos

6. Paycheck to paycheck is a broad term

"Because there is no standard definition of paycheck to paycheck. A lot of people who live 'paycheck to paycheck' have a ton of deductions for things like 401k and IRA along with spending on non essentials like expensive car payments, private schools, etc."

"This is a good point. I considered myself 'paycheck to paycheck' because (and I'm working on changing this) I literally get my account to 0 before each paycheck. Yes, that's after 401k, savings, paying off debt, and other luxuries like getting my nails done and steaming services. But you make a good point that if I locked in and cut all "extra" I would not be paycheck to paycheck in the slightest. Compared to growing up where when my mom paid most of the bills, we would have like $3 left for anything else. That's paycheck to paycheck."

7. Constant emergencies

"If emergency items stopped happening, I could actually save something. Medical bills, dental bills, car repairs, home repairs, just when we get a bit saved it goes to something else."

"Every. Single. Time. And it’s always the exact amount that I have in my savings."

broke, bills, paycheck to paycheck, scared woman, finances, american life, purseA woman who has no money.via Canva/Photos

8. Healthcare costs

"For me it’s healthcare that makes me live paycheck to paycheck. I have had two random emergency surgeries in the last 3 years. With a 10k deductible on my health insurance I’m 20k in debt and having to make $400 payments per month on it on top of my $490 a month premium. Before that first surgery I was debt free and doing ok. I have now accumulated about $5000 on a card too just trying to keep up with bills."

"I paid 20% of my take home pay for insurance. Then I pay another 10 to 20% for medical expenses to keep my disabled husband alive. So 1/3 of my income goes towards medical expenses. That's the problem and I can't do anything about it. I have super premium insurance at my job which pays terribly. If I got another job, it might not cover some of the things my husband needs or I might have to work so much that I would have to pay a caregiver."

9. Cost of living is too high

"Never being in a position where you are ahead of all the bills. A person makes $30 an hour, works 20-30 hours of overtime, had a $600-1000 car payment, rent is probably $1500-2000 per mo., electricity bill $140 per mo. month, car insurance $120 per mo. Gas $140 per mo. Phone bill $150 per mo. Food $500-1000 per mo."

10. Living high on the hog

"I’ll take a differing take here then a lot of comments and agree with OP that financial habits are often very poor. I work in a field that has a lot of pretty high income earners in a MCOL city (>80k starting).

"I see a ton of people who complain about being broke that do a lot of the following
  • Order out, especially with apps like DoorDash becoming ubiquitous, they are a massive cost and are well hidden enough that people miss it. Like upping the price of the menu items, most people don’t know the price of the food if you ordered in the restaurant.
  • Cars, both too much car, but also frequently trading vehicles in. Cars have gotten a lot better in the past decade but there is no way I’m trading in my vehicle when it’s paid off, as long as it’s reliable. Safety features would be nice, but not at that significant of a net worth hit.
  • Not putting away money for retirement, even with company matches. Company matches are a huge free return on your investments. Paying more now means paying much less later.
  • General luxuries, I had a coworker state she didn’t match her 401k because she couldn’t afford it, but later said she had very very expensive kitchenware. Lifestyle creep is real, and we are all susceptible to it.
There is a large element to the economy that is completely out of one’s control, but to take all personal responsibility out of the equation misses a big chunk of why we are in such a massive boom and bust with personal debt."

broke, bills, paycheck to paycheck, scared woman, finances, american life, coupleA couple arguing over money.via Canva/Photos

11. Starbucks

"I know you’re being half-hyperbolic, but I had a coworker who spent well over $100 on Starbucks in the morning and takeout/delivery for lunch every week. She was always complaining about money being tight. I’m not a cheapskate by any means, but I’m sure as hell not spending nearly $20 for some shitty meal from Panera delivered by DoorDash when I can pack my own lunch for like $3."

12. Consumerism

"My opinion as an outsider who moved here two years ago from the UK. Seems like money and work work work seems to be the focal point and consumerism is HUGE out here with a lot of waste. Maybe it's the social circle I'm in but it seems like people also spend silly throwing more than what they can afford on loans and cars etc."

13. Daycare

"For me, it is a daycare costs. We have to pay $720 a week for 2 kids in a standard daycare. We did not live paycheck to paycheck before having kids."

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