I am sorry that I need to do this, but I talk about money here.
All of this is friendly advice.
None of this is professional advice.
I am not liable in any way, shape, or form for the results of following this advice.
I truly believe that everything in here will make the reader better off if it is followed, but I can’t guarantee anything.
If you are the type to sue somebody that is trying to help you, then be the type to pay somebody else for professional advice too.