You can't budget your way out of a genuine lowest-quintile income without going to ridiculous lengths that are more difficult than getting a higher-paid job. Y

You can't budget your way out of a genuine lowest-quintile income without going to ridiculous lengths that are more difficult than getting a higher-paid job. You can absolutely reconsolidate and budget your way out of debt, though. Or budget your way to having a savings account when you're earning the median income.