<prompt> Human: What does everyone think about splitting rpersonalfinance into two separate subreddits?It seems that most users here fall into two distinct categories: Category 1: People in bad financial situations that are looking for advice on how to dig themselves out of debt. Category 2: People in good financial situations that are looking for advice on optimizing their finances.I bring this up because I feel that the best advice may differ depending on the persons situation and whether they are in Category 1 or 2.For example, I have experienced multiple instances of posts being downvoted for advocating the use of credit cards over cash or debit cards. The main critique is something along the lines of But credit cards are bad because its so easy for people to rack up a lot of debt and its hard for people to be disciplined with their spending. This argument makes a good deal of sense for people who have gotten into trouble by using credit cards in the past, but it doesnt make sense at all for people who pay off their balance every month. The fact is, if you pay your entire balance off every month on a cash back card with no annual fee, you will always spend less money than if you made the same purchases with cash.Or look at the bi-modal response anytime someone asks about Dave Ramsey. For those in Category 1, his recommendations may be great. For those in Category 2, they probably seem pretty nutty.The end result is needless back and forth arguments on advice that would be completely accepted in one category or the other but never in both, which only serves to muddy the waters and reduce the clarity of the advice being given.Creating two distinct subreddits would solve this issue and would allow for more tailored advice depending on the particular situation of the poster. Maybe create an runburyme for Category 1? Thoughts?  <response>: I think it is fine as is. 