One of the key ways people can save money is by DIYing.
You touched on some good points.
I like the Covey 4 quadrant task management system.
Most business growth occurs in Quadrant 2. Important tasks that are not urgent. Your financial planner friend is spending all his time in Quadrant 1 and 3 (hopefully not 4!), so he has no time to work in Quadrant 2. He's constantly putting out the fires of the day to day operation of his business. His growth is limited by his available time.
In comparison, most of my daily tasks have been automated or outsourced. I didn't personally pack and ship the hundreds of orders that have come in this week. I didn't personally respond to the dozens of customer service emails. I didn't personally manufacture any of the product. So, instead, I was able to spend all yesterday working on my next project, which is landing a couple of big distributors. This is a task that will take X number of hours upfront, but will grow my business exponentially. Landing one distributor will get my products in dozens of more stores.
Every week, I try to complete one big task that adds more revenue to my bottom line. A new marketing campaign. A new ad channel. A new distribution channel. Developing new products. This is challenging, creative work, that is best done when you're fresh. It's hard to do any of this when you're worn out and frazzled with the day to day.