I really wonder about these people who need to wait for payday to buy something. Are they not able to float the charge on a credit card? Are all their credit cards maxed out?
There's never been a point in my life where my ability to buy anything has been constrained by cash flow (other than big ticket items like a house). I saved $12,000 in my first 4 months of work at age 19, and it's only been upward from there. Cash flow has never been a problem. It wasn't hard to achieve, so it really baffles me how there are adults out there constrained by cash flow.
When I was 19 I was working 2 jobs -
one 40 hours a week at $4 an hour
one 20 hours a week at $3.35 an hour
For approximately 17 weeks, that comes out to about $1139, assuming I didn't pay taxes, which I didn't.
I have family members who work full time and make about $10 an hour after 30 years of work. That is $6800 in about 17 weeks of work. These are fairly skilled people who live in a small town.
In fact, the median US HOUSEHOLD income is $50,502, which corresponds to $16,834 in 17 weeks/ 4 months.
Good lord you are living in a dream land of privilege. At least admit it.