The average American spends more than a third of their paycheck within the first 12 hours of receiving it, according to new research. A survey of 2,000 employed Americans split evenly by generation revealed that this was especially true for millennials, one of the highest spending generations today, who spend an average of 40% within those first few hours – more than any other group. Still, for the average American, by 48 hours, nearly 48% of the average paycheck is already spent. Most of that