low income, expensive price for daily needs, the high cost of education because high inflation will always be the main problem for every families in the world including US especially for poor families they always be thinking how to feed their families daily even With uncertain income that's why they will feeling Financial Stress everyday however
What you stated are all true. Most families are stress financially every day because their income was very low but the price of their personal needs are increasing daily such as foods, clothes, electricity etc.
Some families are not good in managing their money so that they can have financial stress. They spend their money on the least important for them so when the time that they need it they have not enough money for that.