>>You really have misrepresented the article
No, I’ve shared my personal observation of REALITY.
If that doesn’t increase Dave Ramsey’s (or which ever subordinate employee happens to be writing “Dave Ramsey’s” column this week) readership, or his “university” enrollment.... TOUGH.
“No, I’ve shared my personal observation of REALITY.”
You can change your reality, which is the focus of the article. I provided an example of a situation that fits the article, admittedly from my own reality. If you have no interest in it, then fine, however there is no reason to derail others.