Comment by lisbbb

You aren't wrong and I agree up to a point. But I've watched a couple of people try to get by on just "cutting" rather than growing their incomes and it doesn't work out for them. A former neighbor was a real Dave Ramsey acolyte and even did things like not have trash service (used dumpsters and threw trash out at his mother's house). His driveway was crumbling but instead of getting new asphalt he just dug it all up himself and dumped it...somewhere, and then filled it in with gravel. He drives junker cars that are always breaking down. I helped him replace a timing chain on a Chrysler convertible that wasn't in awful shape, but the repairs were getting intense. This guy had an average job at a replacement window company but had zero upward mobility. He was and I assume is, happy enough, with a roof over his head and so forth, but our property taxes keep rising, insurance costs keep rising, there's only so much you can cut. My take is that you have to find more income and being looked upon as "tight with a buck" or even "cheap" is unfavorable.