As astute as that may be, it’s more of a tepid observation.

“Work more, spend less” or “if you can’t pay cash for it, you can’t afford it” would be broad examples of solutions.

Really, anything Dave Ramsey says.

You guys would like him, he’s anti-trans and widely-lauded as not a great employer.

From my perspective, he’s under a thousand years old and gives simple, sound financial advice.

Whatever. He can’t be worse than the Oops, I Crapped My Pants Gang.