You can say that again! We tend to develop bad financial habits from an early age and they become hard to break and leave us wondering where we went wrong.
I would have to say that a lot of times, life gets in the way when you are trying to stop the living paycheck to paycheck cycle. Just when you think you are getting some traction, life hits you with another surprise.
I find often that bad habits such as a lack of budgeting and keeping track of finances and living above your means are things that many people struggle with.
Living paycheck to paycheck is no fun, people just need to realize that the future reward for changing your financial habits far outweighs the "sacrifice" you might have to make in the present.
Stop living paycheck to paycheck and start creating a better financial future!