 And broke people generally major in appearances. They try to look like they are something they aren't. And then they have opinions about your money that are unsolicited. You didn't even ask. But they got a lot to say about it. And it's sometimes in your family. And here's the other thing. Here's what broke people are. Most people. That's broke people. 78% of Americans live paycheck to paycheck. That's 8 out of 10 houses on your street are spending everything they make to stay afloat.