Yea. I have managed to never carried debt. Without that, what’s this guy got to offer me? In fact, the only thing the guy has to offer is the simplest financial advice there is: spend less than you earn.

But then a poor person comes along and says they can’t and his only advice is ‘earn more money’. Because it’s that easy, obv.

The guy is an out of touch chode who had some privileged upper middle class kid think he was the financial messiah once for saying ‘use a budget’ and let that go to his head.