the person who lives pay-check to pay-check

That's basically our household, and many others. When the jobs are scarce, and the competition too high, you can't be picky about job you have, especially without any degree or skills. But still, I hope things would be better in the future.

“Never increase your spending, only increase your investment as your revenue grows!”.

And I should quote this to my wife, though she'll nagged me for sure. lol