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In contrast, here are 10 places where people have the most disposable income.

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While single adults manage to retain a modest amount in disposable income, families with children fall significantly behind.

Necessities like housing, food and childcare put severe financial strain on Philadelphias families.

Theaverage disposable incomefor a single adult for the year is $11,094.

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But the disposable income for a two-adult, one-child household is -$22,561.

Families living in Queens continue to face significant hardship despite slightly higher median incomes of around $80,180.

The boroughs rising cost ofliving and housingnecessitate relentless budgeting efforts just to cover the basics.

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Compared to other counties on this list, El Paso fares slightly better for single adults.

If youre feeling the burden of financial constraints, remember youre not alone.

Begin by reviewing your budget, eliminating unnecessary costs and seeking outcommunity assistance programswhere available.

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Taking small, intentional steps can help you regain control of your finances.

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