Where one lives can determine how much they have to spend to get by. It factors into many everyday expenses, including insurance — for example, auto and home insurers use location as a metric when calculating insurance rates. But location also has a large influence on how much money one makes. The conjunction of all these factors can leave a lot of people short with too much month left at the end of the money. In fact, according to CareerBuilder, nearly 80% of workers in the U.S. live paycheck to paycheck — even folks on a six-figure salary, of whom some 10% are stuck for a spare buck by the end of the pay period. Furthermore, 12% of Americans actually living in poverty (less than $26,200 for a family of four in most states). That's not to say there aren't a bunch more barely eking out an existence; almost 18% of Americans don't even make 125% of the poverty threshold for their households (less than $32,750). Clever.com checked into all these factors and more and came up with the places where people are more likely to be short on cash than have extra funds to splurge with or save. Different areas, of course, exert different forces on people's budgets, with some spending more on housing and less on food, or more on transportation and less on utilities. And while financial types advise breaking one's income into 50% for living expenses, 30% for discretionary spending and 20% for saving, we all know that's not happening for most people, especially since Americans are collectively carting around $4 trillion in debt — and that's not counting mortgages. In fact,  the average American has less than $140 left from each paycheck, says Clever.com. Of course, that "average" means that there are plenty of folks who have even less. And the average American spends nearly 60%, not 50, of their income on living expenses, with the problem widespread. Just 13 of the 75 most populous metropolitan areas spend less than 80%. That drives a lot of people to take in roommates or to become one. Zillow figures indicate that more than 30% of adults lived with at least one roommate in 2017, up from just 22% in 2000. Check out the gallery above for the top 10 U.S. cities where residents are more likely to live paycheck to paycheck.  Related: 

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