Earlier quoted context omitted.
There are a lot of things I could save money on, but I make a good living developing software so I can pay other people to fix my car, press my clothes, mow my lawn, etc. I work during the week, money gets deposited in my account so I can enjoy the weekend doing things I want. We even spend extra going to restaurants so we don’t have to cook!
I guess I'm just with Heinlein on this one: Specialization is for insects. Interdependence is great if you can [currently] afford it. I sometimes pay someone to do something that I know I can do myself. I consider it a guilty luxury. But what's the plan if you run into hard times? When money stops magically appearing? Stop driving because you don't know how to keep your car functioning? Wear dirty, wrinkled clothing…
If the hard time is temporary, that’s what credit is for. If it is systemic, I’ve got bigger fish to fry - downsizing our house, getting job training, moving near a bus line to save money on car insurance, etc.
It’s just like the BS “Latte Factor”. People are not unable to save for retirement because of $6/day Latte. It’s usually because they have high fixed costs relative to their income.