If money is your goal in life then you haven't figured life out :D. So earning less should never be a problem. I used to have a colleague who outsourced pretty much everything in her life. Everything from dry cleaning to food bags delivered with "pre-prepped" food (it's a thing in Sweden). I'm all in for life-hacks that makes life easier but if it means that you spend more than you need and more untill 12.30 pm then maybe you should stop a momement and think again about what you are doing with your life.
People are so in to the matrix so they can't see any other option :)
You just inspired me for a new post this week :).
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