Yes. This advice is decent if you're upper-middle class or above, socio-economically speaking, but to the majority of people, it's just not applicable. Not to

Yes. This advice is decent if you're upper-middle class or above, socio-economically speaking, but to the majority of people, it's just not applicable. Not to mention that we're in a society that incentivizes people to be irresponsible. I'm not allowed to earn six-figures or I'll lose healthcare. Same with inheriting/having more than a certain amount saved. My meds cost 300k/yr, so I hit OOP max the first month of ANY health insurance plan I have EVERY year. The wrong plan can cost me over 20k/yr.