Explicitly denied in the text:
> Advice like these are not laws. They are like hats. If one doesn’t fit, try another.
Re:99 bits of unsolicited advice
by johnchristopher on Tuesday April 27, 2021 @03:12AM
(#26952988)
I am referring to this, not the article:
> In most every discussion I've come across that touches on money advice, I've see a variant of this comment "This world view doesn't incorporate (my) reality of the poorest of the Western world and is so in invalid and offensive".
Those advice are most of the time given as being universal, that's why.