What is the best way to help someone who is careful about spending but just doesn’t make enough money to cover their basic expenses and doesn’t have the opportunity to get a higher paying job?

I think this is the problem that many many frum people face. Or they are in jobs that are mission based such as chinuch etc. I really would like to hear of practical solutions.

I think if there was a one size fits all answer to this question, you wouldn't need frum.finance... I sit and craft a plan for families which takes multiple hours of out of the box problem solving to solve this issue. The solutions are usually one or more of: Education and/or career transformation Side hustle Other spouse working Moving to a less expensive city New budget Invest in enough pre tax retirement accounts that you get more government benefits Moving to a smaller house Reeducation about finance

Can they take on a side job? Is there any other way to increase their income?

Options available not explicitly ruled out by the question: Charity, borrowing, government programs. Other options sort of ruled out by the question: keep looking for opportunities to increase income and reduce expenses. Options that I would discourage: borrowing with no long term plan to increase the income expense ratio. Gambling

Well if they can't make more money, and they can't borrow without a plan, then borrowing isn't an option. Therefore, the only option you are saying is charity or government programs, which is probably correct since most people aren't willing to move and the questions says no change of income.

Sometimes the lack of ability to get a higher paying job is not because of a disability but due to a lack of marketable skills and the lack of time to acquire some or as @wooden-belgium-47527 mentioned before, mission based jobs.

Just curious, what do you guys mean by "mission based jobs"?

They mean shlichus

Or chinuch

I disagree with the premise that there are people that don't have the opportunity to learn a new skill. Or that someone in chinuch can't learn a side hustle. As such, I'll continue to help those people make side income and prove my theory correct 😘

What would you say if it's not lack of ability, but lack of time? I.e. What would you say if taking on a side hustle means family neglect? Or if the person is not a high energy person and cannot juggle two jobs or focuses? Calculations often don't count for the human factor.

When I sit down with a couple and make these calculations, we absolutely keep mental health as part of the formula. Very important. If a family is truly at capacity, I'll bring chesed organizations into the equation.

@mysterious-tomato-10057 Can you give some examples of side skills that people can learn for a side hustle?

Here are a few of my favorite resources https://www.choosefi.com/financial-basics/what-is-a-sidehustle/ https://www.choosefi.com/financial-basics/getting-started-with-sidehustle/ https://www.choosefi.com/how-to-make-more-money/ https://www.choosefi.com/how-to-make-more-money-on-the-side/ https://thinksaveretire.com/side-hustles-make-money/ https://millennialmoney.com/best-side-hustles/

And what would you tell someone who doesn’t have any particular skills or passions?

I do the best I can to help them explore and find them. Usually it's starting the journey of information consumption so they can learn about what exists out there. Reading has been a great tool I've seen be successful in that sort of exploration.

@mysterious-tomato-10057 Can you tell me more about Salesforce skills that can be used as a side hustle? Any particular courses to look at?