Quote from meandragonbrett
Don't work a minute of overtime because you've been guilted into it. Only work OT if you truly need the cash.
Slightly OT, but I had a cop-friend tell me something he tells new recruits - not to pick up all the OT and off-duty work you can. He said that he has seen over and over again cops who pick up all this off-duty work and live off that work like it's regular income. The next thing you know, they're buying a house, a flashy car or truck, the stereo, the boat, whatever because they have all this cash. Then 15 years down the road, they are now dependent on that income, it isn't just "extra cash". They are working 80 hours a week, never see their kids, spouse, etc., and they are burned out and still paying the mortgage on that house, the loans on the cars, etc.
I've seen nurses do the same thing. They work tons of OT, as much as they can get. Then OT gets cut, census drops, etc. and then they are looking for extra work because "they can't afford to not have that OT".
Learn to live on your base income and view OT as bonus income only.
(Disclaimer: There are exceptions where people have medical bills or expenses that really are out of their control where they need OT. But my guess is that a lot of people in this situation are living beyond their means to begin with.)