Stephanie Hughes

and then subtracting the monthly fixed expenses that you will always have, right?

Your rent, your car, your insurance.

Your rent, your car, your insurance.

And then from there, you're supposed to say, okay, this is the amount I've left.

And then from there, you're supposed to say, okay, this is the amount I've left.

That's discretionary.

That's discretionary.

But what we actually saw was much more volatility, right?

But what we actually saw was much more volatility, right?

People who, to say, estimate three months from now how much you're going to earn in that month is just unrealistic.

People who, to say, estimate three months from now how much you're going to earn in that month is just unrealistic.

Because about half of Americans work hourly jobs, which means that they make a little bit different amount of money every week, depending on if they're given...

Because about half of Americans work hourly jobs, which means that they make a little bit different amount of money every week, depending on if they're given...

30 hours a week that week or 45 hours a week that week.

30 hours a week that week or 45 hours a week that week.

It's true.

It's true.

And when we were doing that research, the economic jargon is to say usefully large lump sum.

And when we were doing that research, the economic jargon is to say usefully large lump sum.

Yeah.