Thirteen thousand dollars a year is not enough to raise a family. That's not enough to pay your bills and save for their future. That's barely enough to provide for even the most basic needs.
You can't get rid of it with exercise alone. You can do the most vigorous exercise and only burn up 300 calories in an hour. If you've got fat on your body the exercise firms and tones the muscles. But when you use that tape measure what makes it bigger? It's the fat!
