This story is available exclusively to Business Insider subscribers. As the main income earner for her household, Tobias works to support her 19-year-old son, her fiancé, and her fiancé's mother. Advertisement"I make too much to get help," she told Business Insider. AdvertisementAnd, guaranteed basic-income programs — which are being tried in cities across the US — typically only apply to families living below the poverty line. Tobias works full-time but struggles to afford utilities and healthcareElectricity and mortgage bills are Tobias' top expenses.

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