[wait_a_minute]

Maybe. But to be honest that comes across as trying to sell some software. Ultimately, anyone can become a millionaire following some really boring advice.

1) Six months' of expenses in cash/money market. 2) Max out 401k if possible. 3) Anything left after that, buy index fund that tracks the S&P 500 and let it ride the market over the long term.

Literally all you need to do. Sure, there's room for some budgeting software or credit card alerting and things like that. But the market is not so complex to understand that you can't understand it yourself. I'd say within a weekend of study the average person can understand the basics.

[jmsuth]

True, those are all good things to do, but that's all about growing your money for retirement. It completely misses the side of protecting that money you work so hard to grow. Financial health is about more than building up savings, it's about building up resilience. You can gamble on not being one of the millions of people that become disabled / die and can no longer work each year to support their family, or you can play a little defense and wise up on what the adequate insurance levels are, create a will / trust, etc. These are the things people don't currently understand. They understand if they save more money they will have more money.