Dave's simplified approch to saving and investing works. But I disagree about making paying off your home if that's what "a paid-for" home means. Here's why: https://gregdermond.medium.com/why-i-cant-agree-with-mr-wonderful-s-advice-on-mortgages-ac910720ac4b

Second, like many anointed financial experts, he doesn't seem to understand bitcoin. He also contradicts himself by saying: "Cryptocurrency is still very speculative, I think it’s here to stay, but it’s extremely risky.

Bitcoin is here to stay and was designed to give as many people as possible access to the best savings technology in the world. Bitcoin is a technological innovation that happens once a species because it's digital money that no one controls, no one can manipulate, and no one can create more of.

(This is not financial advice).