One of the scariest things financially is relying completely on the next paycheck to pay for food, shelter, and utilities. However, 4 out of 5 Americans live paycheck to paycheck. This was highlighted by the government shutdown in the United States at the start of this year. Since many people were living without a safety margin, they were forced to immediately go into debt for basic needs. Of course, this isn't ideal and it's not a situation that anyone plans on. To get out of this paycheck to paycheck cycle, it helps to build a little bit of a safety margin into our monthly expenses. For instance, if we make…