Deciding how to spend money without going into debt is a zerosum process. If you want to spend more on housing, you will have to spend less on your car. Every additional expenditure has to be matched with an equal reduction in spending.
Some people view their lives in much the same way. If they want a career, they have to sacrifice family time. If they want a family life, they have to sacrifice their career.
But this equation is incomplete and misleading. Your time is not literally an accounting of minutes, like your budget is an accounting of dollars. Your time is a measure of commitment, concern, and efficiency, not just quantity.
You can do more when you use your time better. Take out a few frivolous time killers and work harder at using time well, and you can add to both sides of your life’s equation.