"By comparison, financial advice is pretty simple, and there is a universally agreed-upon approach that most people should follow to maximize long-term financia

"By comparison, financial advice is pretty simple, and there is a universally agreed-upon approach that most people should follow to maximize long-term financial health." yes, but...although the fundamentals are basically the same that doesn't mean it translates into an actual plan for a user. you're still leaving the hard part up to the user instead of helping them form an actual plan and stick to it.