For millions of Americans, the concept of financial stability is not just a distant dream—it feels like an unreachable fantasy. The idea of accumulating savings or paying off debt while merely trying to survive until the next paycheck can feel both overwhelming and defeating. Living paycheck to paycheck isn’t always the result of frivolous spending or poor decision-making; often, it's due to stagnant wages, rising housing costs, student loans, and the increasing cost of necessities. The structure of the modern economy has made it harder than ever for the average household to get ahead, let alone set aside extra cash.