[racecar789]

The article makes valid points. However, many of its recommendations are not practical for the 60% of Americans who live paycheck to paycheck. Even merely contributing to a 401(k) or HSA can be difficult for these families.

[mensetmanusman]

I wonder about this, because people make stupid decisions about things like vehicles.

Eg. If people prioritized this advice and didn’t buy vehicles they couldn’t afford, would America be better off?