Having lived in Colorado for 30 years I can tell you that people that should know how to drive in snow don't always, especially when it first starts coming down. It's like they have to be retrained each and every time.
The funniest experience with bad road conditions was in Lubbock, Tx though. Snow and ice aren't all that uncommon in the Texas Panhandle. We were heading to Austin in early February for a birthday party and spent the night in Lubbock. Next morning we got up to a heavy coating of ice on the truck. Since we were without the RV we decided to forge ahead. The truck had 4WD and the big rigs were moving, so I tucked in behind one that was moving cautiously and gave myself a good following distance. We came around a curve in the road and could see red and blue flashing lights up ahead. We slowed even more and as we got to where we could see, there were THREE cop cars all spun off the road. We drove on by without offering to help figuring that they could call for their own rescue and might be a little embarrassed.
And fortunately, we live in a country where we each are able to do things the way that we each feel most comfortable with. I happen to do things in a hybrid fashion as I do use autopay for things which do not vary or that only vary a small amount. Contrary to what the author states, most cell phone bills that I am familiar with change very little from month to month, if at all. In addition, if you track your expenses on a computer, all of the software for that which I'm familiar with has the ability to automatically enter the things that you keep on autopay a day or so before they actually go out, so you do not need to remember them. in addition, I get an email from each one of the bills that do vary to tell me what that month's bill will be so that I can easily put the exact amounts into the computer. Each of my credit cards send me a text a week before the due date to remind me and the bank sends one when each bill gets paid. Since I don't know what a beauty box is, I have no advice on those and I haven't belonged to a gym in years.
Hahahaha. I can see the first snow at Ft. Devens, 1969. My friend from Alabama had a brand new Chevelle SS 396. His answer to a lack of traction was more gas. He managed to slide sideways into two parked cars. The damage was minimal because he didn't have much forward motion, but he was certainly embarrassed.
Oh yes. Remember that 4WD may make you go better, but it does nothing for stopping.