The unemployment rate may be down, but that doesn't mean workers' financial situations are up. In fact, more than three-quarters of U.S. workers are hanging on by living paycheck to paycheck — certainly not something one might expect with an unemployment rate of 4.3 percent. 

A new CareerBuilder study finds that even some of those who earn a hefty salary are struggling to get to that next paycheck, while many others are fighting a load of debt or struggling to hold down multiple jobs to get through. 

In fact, 78 percent of U.S. workers live paycheck to paycheck to make ends meet, and 25 percent haven't been able to get through every month in the last year. Another scary statistic: 20 percent of workers have missed making payments on some of their smaller bills. 

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