More and more Americans are having to live paycheck to paycheck. A new study places the number at 38 million American families living "hand-to-mouth." Living paycheck-to-paycheck has generally been associated with those living in poverty, but the study by the Brookings Institution found that two-thirds are actually considered middle-class.

Only about one-third of those who say they're struggling to make ends meet are what most would consider poor.

Experts say middle-class families are now putting their excess cash into real estate, stocks and retirement accounts, since savings accounts offer virtually no return. That means more and more families are ending up with little to no cash leftover after payday.

On today's premiere of Outnumbered, Harris Faulkner, Sandra Smith, Kimberly Guilfoyle, and Jedediah Bila sat down with the "one lucky guy," Tucker Carlson to discuss this alarming trend.

Guilfoyle believes data like this is just one reason why a "reckoning" is coming in November's midterm elections and "perhaps" in the 2016 presidential election.

"The middle class is suffering. They are not better off. ... It's a real problem for this presidency and for the people trying to retain Senate seats," she said.

Carlson said nobody wants to acknowledge "real inflation," pointing out that food, housing and education costs keep going up.

Watch the discussion above and follow Outnumbered on Facebook and Twitter.

Check out more from today's premiere of Outnumbered:

'Outnumbered' Debate: Is Emotional or Physical Cheating Worse?

School Cancels Kindergarten Play So Kids Can Focus on College Prep

Bila: I Really Want to See Elizabeth Warren-Hillary Clinton 'Battle'