One-in-five households in Scotland is getting by on less than £10,000 a year, according to new figures.
The Scottish Household Survey showed a further 20% had an income of between £10,000 and £15,000.
It said pensioners, single parents and single adults were most likely to fall into the lower income brackets.
Only 10% of households had a net yearly income of more than £40,000. A total of 41% of households were found to have no savings.
The survey, published by the Scottish Government, is designed to provide an indication of various social trends.
The statistics showed that most people liked the place where they lived and were increasingly travelling to work by car.
In the most deprived areas, 26% of adults rated their area "very good", compared with 58% of those in the rest of Scotland.
It also found 58% were satisfied with their local health services, schools and public transport, but only 41% of adults believed that their council provided high quality services.
The figures also revealed that more than a third of Scots households contained only one adult and 25% of adults had no qualifications.
Other statistics showed a general downwards trend in the proportion of adults who smoked.