The economy may be humming away, but not everyone reaps the benefits — and for millions of Americans, covering the cost of even basic necessities each month is a challenge. The average American has less than $140 left over from payday and nearly 80% of workers live paycheck to paycheck, with some ending up in the red, according to a Clever Real Estate study. (Even 10% of people earning six figures struggle to make ends meet each month.) Where you live matters a lot, as Clever shows in a ranking of cities where residents have the most and least disposable income from biweekly pay after taking care of the basics. We're going to show you the top and bottom 15 from the full ranking.