Where you live can make or break the bank when it comes to monthly spending money. One-third of Americans (33%) say they couldn't cover bills for even one month if they lost their income, and 47% cite the cost of living as their biggest obstacle to saving, according to a recent survey from Yahoo Finance and Marist Poll. Every state's living wage is at least $82,000 a year, and in 26 states, a family of four must earn at least $100,000 annually to be considered "financially secure" — or $150,000 if they're in Hawaii, Massachusetts, California and New York, per GOBankingRates data. A new study from online lender CashNetUSA explores exactly how much disposable income Americans have in every state annually — and comes with a calculator for you to determine your own and see how it compares. Related: Young People Earning More Than $200,000 a Year Are Fleeing 1 U.S. State — and Flocking to 2 OthersUse the 50/30/20 budget calculator here to figure out how much monthly after-tax income you can spend on "wants" versus "needs" and "savings":