Many Americans clearly lack expertise and wisdom in managing their own finances and end up broke for month after month. That leaves many people poor, even if their income puts them well above the poverty line. Yes, even if you’re earning a good salary or making decent money, you might still be living paycheck to paycheck. According to a recent survey from SunTrust Banks, Inc,- a third of higher-income households — those that bring in $75,000 or more a year — live paycheck to paycheck. There are certain bad habits that are keeping you broke and poor year after year, and in this article we will talk about that. When you’re…