In the US? I reckon paycheck to paycheck with a mountain of credit card debt is pretty typical although your example might be a bit too extreme. I know a lot of my mom's co-workers who are making the same as her but sometimes have to borrow money for lunch. Now if they'd brown bag lunches instead of eating out 3 times a day (at an average of $10-15/meal), they probably wouldn't have this problem.Are they typical or outliers?
Now my co-workers on the other hand, a number of them are 1st generation Chinese and very, very, very frugal. I wouldn't be at all surprised if they have millions stashed in the bank. One commonality, they all paid or are paying for their children's college (no student loans) and a number of those children are now doctors or studying to be one.