Also, budgeting and finding ways to save money take time, energy, and skill. The author of this article literally couldn’t afford one of the more popular budget

Also, budgeting and finding ways to save money take time, energy, and skill. The author of this article literally couldn’t afford one of the more popular budgeting apps, You Need a Budget, from the liquid cash they had on hand. Same goes for saving money by cooking at home. It works, but it takes skill and time. If you’re working 60-80hrs a week then it’s very hard to justify that time expenditure, and triply hard to justify the up front cost of tools and ingredients. $20 for a mediocre kitchen knife is 6-10 McDonald’s meals ($1,$2,$3 menu), putting someone who is already broke deep into the red before seeing any returns.