First rule of personal finance: Nobody cares more about your money than you do. Second (corollary) rule of personal finance: Most financial advice you receive

First rule of personal finance: Nobody cares more about your money than you do. Second (corollary) rule of personal finance: Most financial advice you receive will not be optimised for your situation or be in your best interest. Tertiary (adjunct) rule: Financial institutions generate income by turning as much of /your/ money into /their/ money as possible.