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Episode summary: Are most Americans barely holding their head above water when it comes to personal finances? That’s what various US politicians and news outlets keep suggesting. They can’t stop using a statistic about people living “paycheck to paycheck”. But what does this really mean? We go behind the headlines to unpick the numbers. Contributor: Ben Krauss, journalist Presenter: Charlotte McDonald Producer: Vicky Baker and Lizzy McNeill Series Producer: Tom Colls Production co-ordinator: Katie Morrison Sound Engineer: Andrew Mills Editor: Richard Vadon

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