one of his standard lines is "if you play with snakes you'll get bitten". what you've described is, of course, technically doable. many of his listeners may b

one of his standard lines is "if you play with snakes you'll get bitten". what you've described is, of course, technically doable. many of his listeners may be in jobs that are less stable, and finding another job may take time. 'blanket advice' when you're talking to tens of thousands of people probably needs to be as basic and as applicable across the board as possible. I do think there's a psychological impact of "grind through it and stick with a plan" that will help create better habits and avoid future debt problems for many folks. Playing a lot of 'move money around' moves gives people the idea that they can always do that, and that's not always the case. I've never been employed anywhere (nor have I met anyone) who has 'day-1' 401k vesting. Good on you if you have that, but it's nearly always been 3-4 years every place I've been (or my colleagues have been).