[tonyedgecombe]

Not that a sandwich will make much difference but you have to remember that employers like their staff to be indebted, it makes them compliant.

[tossandthrow]

It is not really binary.

I hate budgeting and still save around half my salary.

Though I do realize that this is a different game for some people, where some need it more than others.

[kassner]

You are the exception. Most people follow the “Parkinson’s Law” for money.