i tend to agree, but there's a lot of secondary effects that may lead different people to be saving money in different areas, just not 'making' money directly.

i tend to agree, but there's a lot of secondary effects that may lead different people to be saving money in different areas, just not 'making' money directly. you can spend more time cooking, which may save on meals out. you can spend more time helping kids with homework, vs spending on a tutor, etc. the general idea is that you can do something else more productive (instead of, or in parallel) with your time has merit, but most people would be doing something else that doesn't make extra cash directly (but again, may be saving them an expense somewhere else in their life)