Every note has its target audience
Each note is tailored for a specific audience with distinct financial circumstances in mind. Analyzing financial situations relies greatly on context. If you do not belong to the intended group, applying these conclusions to your own case may lead to inappropriate results—this is expected and does not mean the advice is incorrect.
Example:
A hungry student selecting a restaurant prioritizes price and portion size, while a wealthy retiree who prefers light meals values quality and comfort. Advice tailored for one perspective may seem inappropriate from the other’s viewpoint, even though it is perfectly suited to its intended audience.
You are welcome to read and reflect on the topic regardless. Just be aware that your situation may differ materially from the one discussed here, and so may your conclusions.