who "somehow manages" to support his stay-at-home wife and kids with minimal debt un an "unlivable" stipend.

Other universities are like my co-workers who complain about not having enough money, are convinced I sell drugs on the side, and yet talk about going "out" on the weekend and blowing $400 on booze and entertainment.

I maintain that anyone can improve their financial situation by choosing 3 ways to manage their money more like BYU/the church.