Nearly 1 in 3 American workers run out of money before payday—even those earning over $100,000 "Amy,* 36, is intimately familiar with running short on cash and using these workarounds, especially during tax season. That’s in spite of the fact that she and her husband make about $50,000 a year, just short of the average household income in the U.S. “Tax time hurts for us because we don’t get a refund, we get a bill,” she tells CNBC Make It. Her husband, the primary earner, works for a company in a different state, so state income taxes aren’t taken out, she says. While they typically get a federal refund, they end up owing the state more than the federal refund." https://www.cnbc.com/2020/02/11/32-percent-of-workers-run-out-of-cash-before-payday.html So they each only make $25,000? Maybe one should get a better paying job. Then tax time hurts because they don't get a refund??? Tax withholding is NOT a savings program and if you properly plan your taxes you will always owe a little. Maybe if she lowered her federal income tax withholding she would have more money to spend each paycheck. And I have worked for out of state companies almost all my life and everyone of them withheld state income taxes and even if they don't YOU CAN. It's called living within your means and budgeting.