For us, a sandwich with the wrong condiment...

I can't afford to take on his soup sandwich.

This is indeed why we took the simple, perhaps even common, McRib as our signature sandwich mascot/limited-availability dining experience.We will help you unlock your inner potential to achieve your goals with humility and your established limits firmly in mind.

Saving money by either eating peanut butter sandwiches during the day or go to bars that sell $1 beer instead of regularly-priced beer.

Or sandwich it and find someone else to "rent to own" from you at a hire price, rent, and option fee. 

Furthermore, guys that write those books (and the Dave Ramsey's of the world) eat filet migneon and drive sports cars because they have told so many people to drive a 94 Honda Accord and eat bologna sandwiches at work to save their way to becoming a millionaire.

Literally $8/mo, so we could buy and split a sub sandwich one day a month?

A big chunk of that $20k currently goes to taxes, and the majority of the remaining amount would go to housing cost (rent for a 2bed apartment), cost for kids (daycare, after school care, extra curriculars), and financial support for elderly parents (I'm part of the sandwich generation). 

And that isn't counting sandwich deals, or say doing owner financed (lease purchase) agreements on the third of US homes that are currently "free and clear."

You can also make a quick sandwich in the morning to take it to work.