I have always thought that there was a huge cost to eating fast food. I always thought the cost was more long-term, not an immediate hit to your wallet. Turns out I was wrong. It's a hit to your wallet, your waistline and your health.
It's not even a time-saver. If you were to make up enough rice and beans to cover several meals, it could easily be put into the fridge for future "heat and eat" meals. Grabbing something from the fridge and putting it into the microwave for a few minutes is much faster than going to a fast food restaurant. Yes, there is the initial cooking time, but that would be spread out over several meals. Still faster than waiting at McDonald's.
It doesn't have to be rice and beans, it could be chili, soup, lasagna or any other meal where the effort to make many meals worth is similar to making one meal. Anything that can be stored in the fridge for a few days, or better yet frozen for future weeks can save you some time and money. Plus, it can be customized to your taste. If you like spicy, you can make the dish spicy, rather than adding hot sauce to it.