Anatomy of the average American paycheck

The average American has already mentally spent more than half of their paycheck before it lands in their account, according to a new survey.

Conducted by Talker Research on behalf of EarnIn, the survey polled 2,000 employed Americans who make less than $75,000 per year and explored where this money goes, revealing the "anatomy" of a paycheck.

Between mismatched living costs and salary (44%) and sporadic, inconsistent due dates (31%), results found that nearly three in five (59%) pre-plan what gets paid first while waiting for their paycheck, resulting in 51% of those funds being pre-spent.

Overdue bills (38%) are another leading cause in allocating their pay before they have it. In fact, only 40% of those polled don’t have any overdue bills, while 55% have somewhere between one and four during any given month.