"So who are these wealthy cash-poor people? Well, they tend to be older, married, and better-paid. You can see some of this in the chart below. Most poor hand-to-mouth people (the red line) are younger, peaking around 22 years old and then falling rapidly from there. But most wealthy hand-to-mouth people (the blue line) are in their 30s, 40s, and 50s." Data based on a Brookings paper.