 57% of them say they use that borrowed money to help pay for necessities like groceries and toiletries. 53% say they spend it all on rent, utilities, and phone plans. A majority 57% of respondents said they don't have enough emergency savings to cover three months of bills and necessities. And 52% say they don't make enough money to live the life they want because of the high cost of living. Many said their financial stresses are causing them to delay financial milestones, with at least half of respondents saying they're waiting to buy a home.