Hesed Ojieh says most financial gurus lack real-world experience and have never been broke or sleep-deprived from money stress. Their generic advice ignores what actually matters: how to get cash when you need it, how to survive the panic. Look for advisors who've lived it.
I'm not a professional, but I'm only professing what I've experienced. Now here's the truth: most of the people giving you those advices, they don't even have good credit score. They've never been where you were. They don't know what it is. They don't know the battles that keep you awake at night. So you don't need those kind of people. They're only sending you a program. That's why their advice don't work, because it doesn't have the power to troubleshoot the things that you're going through. They only have steps and principles and do this and do this and do that. You know what they don't tell you? That you can't sleep, how to sleep well. You know what they don't tell you? Where you need to get the money from. You know what they don't tell you?
