Think we're exaggerating? Take a look at McDonald's step-by-step budgeting guide for their employees, most of whom are paid minimum wage to flip burgers and mop up gallons of "special sauce" from bathroom floors. McDonald's partnered with Visa to create a bizarrely out of touch list of basic expenses that tells their employees to spend $20 a month on health insurance (for the record, McDonald's cheapest health insurance plan charges employees $54 a month), $600 on rent/mortgage payments (average monthly rent in the United States is $804) and exactly $0 on heat (guess the employees at the twenty-one Alaskan locations are sh*t outta luck).