Financial strategies are good to have.
The last thing someone needs in their life is a person sorting out their failed finances and telling (or thinking ) that you must be an idiot to have ended up in such a financial mess.
What people need is the solution not condemnation.
We all have blind spots in life where we just didn’t see it coming.
Once you have been steam rollered it is hard to get up, but there is an answer.
Getting out of debt is one thing, but dealing with those blind spots so it doesn’t keep on happening is a superior way of dealing with financial strategies in your future.
Creating budgets and plans are good but if the issues are not dealt with at a root level debt comes back to haunt us.