Originally Posted by Coyote
Up to a point.
There is only so far you can cut spending - and still meet basic needs and responsibilities.
There is only so much you can earn without spending to increase your skills.
Sometimes the best answer is both.
All depends on what you define your "basic needs and responsibilities" as. I don't need to earn more, I just need to spend less. UNLESS, I want something that is NOT a basic need, then I may need to earn more.