<prompt> Human: My birthday is in 40 minutes and Ive been drinking and playing Halo all night. For some reason, this has given me some inspiration to make this post. Heres some bullet points of what Ive learned over the past few years that isnt discussed too much here in rPF.1. When making a decision on whether or not to buy luxury items, convert it to an hourly wage. Hmmm, this video game costs 60. I make 20 an hour at work. Will I get more than 3 hours of enjoyment out of it? If yes, make the purchase.2. Similarly, assign an hourly wage to effort you put in to maintain frugality. If you make 20 an hour and spend 3 hours clipping coupons for the grocery store to save 15, its probably not worth the effort. Your time can be spent elsewhere.3. Increasing your income is easier than you think. rPF typically focuses on expense reduction. This is great and a critical part of personal finance. But, increasing your income is not impossible! Think outside the box. I personally earn around 700 - 1000 a month passively through a combination of the below bullet points. Credit card churning rchurning. I regularly make 100 - 500 in a month from doing this. Credit card rewards. Separately from churning, its possible to earn between 2 and 5 cash back on credit cards using rewards intelligently. I earn 20 - 80 a month doing this. buying websites Flippa.com. I currently net 300 - 400 a month for a blog i bought for 2.85k. drop-shipping items from Alibaba to Amazon Lending on LendingClub. Even asking for a raise at work. I will teach you to be rich gives great advice on how to approach this. Credit Unions. Some hard searching will often yield high interest rate savings or checking accounts. I earn about 25 a month from this. Dividends. This is an obvious one. I earn 300 - 400 a month from these. Participating in medial studies. Online surveys. I actually think these are a waste of time, but they work for some people! US Equities tender offers. Fairly often, companies will get acquired via a tender offer. In corporate finance, a tender offer is a type of public takeover bid. The tender offer is a public, open offer or invitation usually announced in a newspaper advertisement by a prospective acquirer to all stockholders of a publicly traded corporation the target corporation to tender their stock for sale at a specified price during a specified time, subject to the tendering of a minimum and maximum number of shares.Many of these tender offers have advantages for odd lot shares that you can take advantage of. I have made transactions that have netted over 1k literally risk free by participating in these.4. Passive income is king. When I see 1000 in my account, I dont think Great, Ive got an extra 1k saved! I think Great, Ive got some extra income of 2 - 8 a month. As Ive mentioned above, there are many many ways to put your money to work.5. Frugality is about value, not saving money. I see a lot of posts here about people taking pride in going to such extremes as having 0 cars for the entire family. This is great for some people, but I dont think its worth the sacrifice for most. For example, I bought a new Toyota Corolla in 2008 for 16000. Today, its probably worth 8000. So, Ive paid about 1200 a year plus gas and insurance for the privilege of owning a car. It saves me at least 30 minutes to drive to work vs. biking. And I earn approximately 100 an hour. And I work approximately 250 days a year. So I theoretically earn 12,500 per year in hourly wages by driving this car vs. biking. Thats almost the entire cost of the car each year.Thats all Ive got for now!  <response>: Similarly, assign an hourly wage to effort you put in to maintain frugality. If you make 20 an hour and spend 3 hours clipping coupons for the grocery store to save 15, its probably not worth the effort. Your time can be spent elsewhere.Thats only a valid comparison if youre choosing to clip coupons instead of being at work. If you work 8 hours a day, come home, and clip coupons while watching television, then youre making a net increase because you would have been earning 0 per hour. 