By Ben Paynter
An estimated 80% of Americans are living paycheck to paycheck, struggling to cover any unexpected expense like medical bills or car repairs. For hourly workers, the problem is, unsurprisingly, even worse. The financial penalties for missing just one shift are harsh, and often compounding: 49% would need to pay their utilities late. Another 29% would be forced to pay late rent, and 25% couldn’t afford their weekly groceries.