I've always found the "time is money" hourly rate comparisons a bit contrived, because I can't actually trade my every waking hour for an hourly rate.
The reality for most people is that the trade-off is actually between time spent on looking for bargains, or time doing something else that doesn't make any money.
The reality for most people is that the trade-off is actually between time spent on looking for bargains, or time doing something else that doesn't make any money.