Don’t take financial advice from people who are broke.
These would be the people in the cubicle next to you at work, people related to you, people you went to school with, people on the internet, people on TV, you get the idea.
Seven out of 10 households live paycheck to paycheck and the average household has $9,000 to $10,000 in credit card debt.
Why ask them for advice? Do your own work. You are smart enough.