The other reason I dislike this post is because it implies that good personal finance advice is irrelevant to people today
I overall agree with what you’re saying, but I think this post might be referring more to advice coming from a place of ignorance of the current reality. If you’re trying to tell someone how to manage their life when you don’t actually have experience of what they are facing, it can be less than helpful and not very supportive. Also, at some point “here is how you can optimize your outcomes in a largely hopeless situation” isn’t very helpful either; if 90% of your income is going to pay rent, information about how to optimize the way you spend the remaining 10% is probably the wrong thing to be focused on.
I overall agree with what you’re saying, but I think this post might be referring more to advice coming from a place of ignorance of the current reality. If you’re trying to tell someone how to manage their life when you don’t actually have experience of what they are facing, it can be less than helpful and not very supportive. Also, at some point “here is how you can optimize your outcomes in a largely hopeless situation” isn’t very helpful either; if 90% of your income is going to pay rent, information about how to optimize the way you spend the remaining 10% is probably the wrong thing to be focused on.