While I think some of your points have merit, you are misrepresenting the subreddit quite a bit here. On the topic of emergency savings funds, the community ten

While I think some of your points have merit, you are misrepresenting the subreddit quite a bit here. On the topic of emergency savings funds, the community tends to recommend sizing these to cover roughly 3-6 months of expenses[1]. Larger emergency funds are useful for edge cases. The community tends to recognize that anything more would simply be better served towards high-interest debt or retirement savings. Not everyone on the subreddit is quite so passionate about avoiding expensive weddings or financial advisors at all costs. In fact, fee-only fiduciary advisors are perceived quite positively[2]. [1] https://www.reddit.com/r/personalfinance/wiki/emergencyfunds https://www.reddit.com/r/personalfinance/wiki/emergencyfunds [2] https://www.reddit.com/r/personalfinance/wiki/financialadvisors https://www.reddit.com/r/personalfinance/wiki/financialadvis...