If there's one thing we know about social media, it's that misinformation is everywhere,

especially when it comes to personal finance.

Financially inclined from Marketplace is a podcast you can trust to help you get serious about your money

so you can build a life you've always dreamed of.

I'm the host, Janelli Espinal, and each week I ask experts important money questions,

like how to negotiate job offers, how to choose a college that you can afford, and how to talk

about money with friends and family. Listen to financially inclined wherever you get your podcasts.

Most families in this country will find it easier to thrive financially if there are two people

working. That's been true for decades. But here is something that feels new. Single people who say

they need two jobs or a job plus a side hustle just to support themselves. From KERA in Dallas,

this is think. I'm Chris Boyd. They face the classic struggles of higher than

affordable housing and extra bills created by some personal emergency. But especially in young

adulthood, there is also an expectation that they'll go out for friends' birthdays and to

travel for their weddings. And most people want to show up in these ways, even when they know it will cost them.

Claire Lampin is a freelance editor and writer for The Cut, which published her article,

Is Everybody Just Living Beyond Their Means?

Claire, welcome to think.

Hi, Chris. Thank you so much for having me.

It's worth starting this conversation where a lot of people now are starting their adult

lives, which is with debt. You write about a woman named Sarah, who's like first order of business

after finding a job after graduation was paying down tens of thousands of dollars in student loans.

Why did she borrow more than she had expected to when she started college?

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