Even though there are signs that the job market and economy are improving, a new report from Springleaf Financial has found that 40 percent of all Americans live paycheck to paycheck. Somewhat surprisingly, that group spans across education levels and salary amounts. In fact, 25 percent of people with graduate degrees “couldn’t miss a single month of paychecks without having to borrow or sell assets.” The report also revealed that nearly a quarter of all Americans have less than $250 in their bank accounts by the time pay day rolled around. As this recent piece from The Atlantic shows, because of factors like debt, millennials are increasingly unlikely to have any money saved. Though part of the point of the survey was to show the importance of saving, it also reveals the still-fragile state of the economy when it comes to the finances of individual Americans …