FINRA Investor Education Foundation: – “A significant part of financial capability is the ability to make ends meet through adequate savings. Having resources for immediate medical needs is also an important component. In the U.S., 18% of individuals reported that over the past year, their household spent more than their income (not including the purchase of a new home, car or other big investment), while 21% of individuals reported having medical bills that are past due. Individuals who are not balancing monthly income and expenses are not saving and thus may find themselves struggling to make ends meet. Overdue medical debt can further compound a household’s ability to meet monthly financial obligations. For data in graphs on Making Ends Meet, click here“