[myfavoritedog]

That blog is a false dichotomy built on top of a strawman.

The strawman is that it's all about "getting rich". Ramsey (the one I've heard talk the most) is mostly about just getting people to stop digging themselves deeper and deeper into debt where they will have no hope for even the basic stability that you need to build greater wealth upon.

The false dichotomy is that you either need a side hustle business or you need to follow sound day-to-day money management discipline. Following sound money management discipline is what gets you to the point of having some discretionary income to build your own business.

[MattGaiser]

Yeah, Ramsey rich is being an "everyday millionaire" by the time you retire. It isn't really rich, but it is just having a comfortable retirement and a large financial moat.

[brandmeyer]

I agree entirely, but would phrase it differently. The baseline advice isn't about how to get rich, its about how to live a financially comfortable middle-class life.