take a toll/take a heavy toll (on somebody/something) | take its toll (on somebody/something) - cause harm or negative effects over time, often related to physical or mental health., call the shots - be in control and make important decisions., a game-changer - something that significantly alters or improves a situation., live on the edge - live in a risky or uncertain way, often with financial instability or stress., live paycheck to paycheck - have little or no money for savings left over from your paycheck after covering your regular expenses., wrap one's head around - understand or grasp something that seems confusing or difficult., roll the dice - take a risk with an uncertain outcome, like in a gambling game., barely scrape by - just manage to survive or meet financial needs with great difficulty., straight-up horrifying - something very scary or frightening, often used for emphasis.,

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