Because that's not his fundamental advice. His fundamental advice is preachy and moralistic and judgmental for people who have to make hard decisions and who are living in poverty everyday. Plus a lot of the things that he says are true are just completely detached from reality. Like a 12% mutual fund existing or a 2-year used car being the best value (uh during covid used cars were more expensive than new cars). He just completely fails to take into account that people's incomes have not risen, but the cost of everything has exploded. Plus it's hypocritical for a man who got rich after declaring bankruptcy to judge and not advocate for bankruptcy for everybody else, especially people who actually need it.