I don't necessarily think Reddit is a good route to financial literacy. Nor do I know of a better route. Despite (or because?) of all that, I still think the question was reasonable. If you don't want to answer the question, that's fine. But you don't have to be so antagonistic about it.
I cannot convey 50 years of my financial life, experience, and history into what fits in an internet post. Anyone who can probably has a very narrow view of finance. I can say that I know how to manage my finances, and my accountant agrees with my methods and track record.
But if you think Reddit is the route to financial literacy, I can understand why you don't understand.