Keeeeeeeeeeeeeeeeeeeeeriste, that's the way I do the family budget. I didn't realize all the shufflin' was a professional thing. 
The author pissed me off, he got all high and mighty with this:
Basing an entire article on one stray remark from a guy paid to come up with bulk-size opinions on camera is bad enough, but this report also displays a stunning failure to understand the concept of sunk costs.
At which point he went on to display a stunning failure to understand the concept of sunk costs.
A simple Google of "sunk costs" would have been a help to him, but he thought he was an expert. And his example couldn't have been more muddled.
