I agree that there is a ton of wasted time involved in the usual ritual of changing when you just arrive from home where you got ready for the day and changed your clothes. This is one of many reasons why I bicycle to and from work. I am fortunate to be able to do this pretty much every day. I wake up, put on athletic shorts and a t-shirt, and start pedaling. It's about 5 minutes from when my alarm goes off to when I am outside on my bike. I save the shower and changing into scrubs for when I get to the hospital. This way, I avoid paying for parking, I feel a little bit better about not having time or money to have a gym membership, and by the time I get to work I am awake and alert. I don't drink coffee, lots more savings there. Riding a bike is actually one of the most frugal things you can do, just ask
Mr. Money Mustache.
Obviously, this doesn't work for everyone, but you really should consider it if you can handle a significant paradigm shift. The upside is huge.