A national study conducted just last month indicated that 57 percent of those surveyed said they would be unable to cover a $1,000 emergency expense with their savings and even fewer indicated they could pay their living expenses for a month if they lost their primary income source. The Biden administration’s skyrocketing inflation rate that has forced grocery prices to rise by 20 percent over the past two years along with rent increases that average 13 percent shoulders much of the blame, but other factors are at play.   During my discussions with business owners across Alabama, several have told me that their employees are “always broke” and do not…