Of 4,000 people surveyed by industry publication Pymnts.com and LendingClub, between December 8 and 23, a total of 64 percent said they were living paycheck-to-paycheck.
That means 166 million Americans are unable to save any money at all at the end of the month.
And of those 166 million, 8 million - almost 5 percent - were earning more than $100,000 a year. The total figure represents a 9 percent increase from last year.
The average American earns $58,260 a year, according to the Bureau of Labor statistics.