More Americans say they are struggling to make ends meet, as affordability becomes an increasingly central concern across the U.S. in the run-up to holiday season. According to a recent survey by payroll processing firm ADP, 64 percent of American workers polled report living paycheck to paycheck, up from the 46 percent who said the same in a 2023 study conducted alongside Visa. A separate study from Bank of America , released last week, estimated that the share of lower-income households