(Photo: RYOT Studio; photos Courtesy of Ser Baffo and Jerome A. Shaw)
(Photo: RYOT Studio; photos Courtesy of Ser Baffo and Jerome A. Shaw)

I’m not your typical financial educator.

I order food delivery whenever my life demands it.

This is in conflict with what is often taught by most experts on those websites and personal finance advice articles that are geared toward individuals who are in need of pinching pennies or enjoy taking extreme cost-cutting measures.

I have often felt that quite a few of these articles don’t take into consideration opportunity cost, defined as the loss of potential gain from other alternatives when one alternative is chosen. Just because something

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