“House, car, education. Take care of those three and you can drink all the coffee you want.”

I heard something on the radio this morning that got me fired up. It was a segment about tips on how to save more money. What came was a predictable list of “brew your own coffee,” “buy generic products,” and “bring your lunch to work!”

I can’t stand these lists. I think they’re dangerous, because the average American’s dismal financial state has little to do with coffee, name brands, or lunch. The people writing these articles mean well. But they’re the equivalent of telling a drowning man how to dry his clothes — advice that seems helpful but misses the bigger problem.