Most advice on anything is useless if you're not the target audience. If you're earning nothing and have no savings, you need crisis mode budgeting. Think the

Most advice on anything is useless if you're not the target audience. If you're earning nothing and have no savings, you need crisis mode budgeting. Think the financial equivalent of malnourishment - you don't want the regular food pyramid, you need an IV drip. This doesn't actually change ever. The 'best course of action' changes at every level. Poor people money advice is worthless to rich people too. Lower middle class advice on 'how to save for a home deposit' is completely useless to the wealthy. Usain Bolt doesn't take advice from the guy running in the park either.