<prompt> Human: Link to the article: 1. Getting rid of your vehicle and using public transportation is, in many places, not a viable option. The time factor alone is probably not worth it to most people.2. Lowering your housing costs is simply not an easy way to save. It means moving, possibly having a longer commute, etc.3. Not everyone wants to live with or can have a roommate, for example if you live with your partner or have a one bedroom.4. Doing it yourself involves upfront costs a lot of the time, which the article completely ignores. By having a home cleaning service and mowing your lawn, youd have to invest in the equipment required to do the job.5. Not everyone wants to or can get a second job. Many people already work 50 hour weeks, and with a family to take care of, getting a second job isnt great advice as it could result in higher childcare costs, less personal time, and brain drain.Many of the steps arent easy, at all - i.e. refinancing your mortgage and quitting smoking. The article is really lazy and not well-thought out, I cant believe it was published as advice.  <response>: I will say that you bring up some good points, but other people may be in other situations where these things will save them money. Quitting smoking isnt easy, but if you do, you can save a lot of money now and down the road in the cost of healthcare. Lowering housing costs by moving to a new place wont fit some people, but others it will.Doing it yourself will save you a lot of money. My wife and I are going to get all new flooring, and if I want to do it myself I can save a lot of money. I am just not able to do that because I lack the time. There are others who can.Getting a 2nd job is very viable. Not everyone is stressed out at work. Not everyone works 50 hours a week.So dont bash the entire article. Some pieces are situational and good advice. 