As the busiest spending season of the year approaches, consumers are giving some mixed signals on how good they feel about their own finances heading into the holidays. 

Nearly two-thirds of Americans say they are living paycheck to paycheck, according to a new report from LendingClub LC and PYMNTS. That number is pretty much unchanged from last year — but the proportion of high-income consumers who say they’re counting on payday has ticked upward since 2022, and 44% of the survey’s respondents said they have less capacity…