The argument comes down to what goes on Form 433-A. On Form 433-A you list out your monthly income and your monthly living expenses.

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Even more gloomy is the fact that 27% of the mass affluent were tapping their long-term savings to meet short-term financial needs Some were using their savings for monthly living expenses like bills and groceries.

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Add it all up, and Chestnut's married clients shell out practically all of their monthly income on living expenses, scraping to save anything beyond a retirement plan contribution.

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