The bottom line

Living paycheck-to-paycheck

More than three quarters of Americans say they are living paycheck-to-paycheck, with barely enough to scrape by in an emergency. In a survey of 1,000 adults, fewer than one in four said they had enough money to cover expenses for six months. Half said they had less than a three-month cushion, while about a quarter said they had no savings at all.

CNN.com

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Wanted: college-educated workers

The U.S. economy is expected to generate 55 million jobs by 2020, and 65 percent of them will require more than a high school diploma. If current graduation rates hold steady, the U.S. will wind up 5 million college-educated workers short.

The Wall Street Journal

Time for a raise?

A musician whose song gets played 1 million times on Pandora earns just $16.89. According to rates set by the Library of Congress’s Copyright Royalty Board, Pandora pays artists as little as a thousandth of a cent each time it plays their songs.

TheAtlantic.com

The world's wealthy

Some 12 million people in the world had $1 million or more in investable assets last year, with a combined wealth of $46.2 trillion. The U.S., Japan, and Germany accounted for more than half of the world’s millionaires.

The Economist

Effective workplaces

Office layouts have a large impact on how well workers focus. Researchers say the most effective workplaces include both quiet spaces and collaborative areas. Yet even among workers with private offices, only 54 percent said their space was ideal for focusing, while 38 percent said co-workers often disrupted their concentration.

The Wall Street Journal