The problem when trying to optimize resource usage while unemployed is decision fatigue. In the end, after stressing out about every little expense, you just g

The problem when trying to optimize resource usage while unemployed is decision fatigue. In the end, after stressing out about every little expense, you just give up and make very suboptimal and irrational decisions. And, there's an entire industry built around people in that state of mind. Get money now, worry later... with rewards modeled using hyperbolic discount.