Your advice is good. I too get very tired of people who continue to make the wrong choices financially and then complain 24/7 about things. What I constantly remind younger people is to avoid credit card debt (do you really need that purchase?), to start their IRA's as early as possible and, at a minimum, take them up to the full company matching contribution (and DO NOT borrow from these accounts or choose funds with a sales "load" or high expenses), to not lease a car or buy a new car every few years, and to choose a 15 year mortgage if it is financially possible to do so. What fascinates me is that 90% of everything written about finances concentrates on building wealth, but very little talks about the tax aspects of tapping into that wealth in later years. My problem, and one many don't think much about today but may ultimately share tomorrow, is that too much is coming out 100% taxable in later years (especially when you get to having to take RMD's). In that context I encourage people to either designate initially or later convert Traditional IRA's to Roth IRA's as much as possible.
I should not have posted my critical comment. I think it stemmed from your political jabs at me, but your advice was spot on and my comment was personal and petty --- so I apologize for that.