moonlight clan; young people who spend all their income
Colloquial term borrowed from Chinese, referring to young people who live paycheck to paycheck and spend all their money each month, leaving nothing for savings.
He's a typical moonlight clan member; he always runs out of money before payday.
The moonlight clan lifestyle is fun, but I worry about the future.
Borrowed from Chinese 月光族 (yuèguāngzú), literally 'moonlight clan', referring to people who spend their entire monthly income by the end of the month.