<prompt> Human: I have been getting more involved with my budget and finances for the past year or so, which led me to this subreddit. I like to give advice as much as I can, and I like to learn new things every day. Overall, I think that this place is great.There is a problem that I have been noticing more and more each day. I think that its a pretty big one, but feel free to correct me if Im out of line I often am. I feel like this place is turning more into rfrugal than rpersonalfinance. Not everyone is the same! Not everyone lives the same life that you do. They dont have the same goals; the same interests. Not everyone cares about saving 15 for their retirement at age 23. Not everyone wants that advice. They came here for a reason, and it wasnt to get lectured. This subreddit gives hundreds of opportunities to give advice catered to an individuals needs. You have the chance of really clearing out some of the confusion that they have in their lives. Instead, they are met with the same cookie-cutter answers that are of no help to anyone, especially the OP. Ill be the first to admit that I sometimes do the same thing, but Im definitely trying to get it out of my system both on here and in real life.My point is that not everyone cares about saving 57 over the course of 2 years by paying the highest interest loan off before the others. Not everyone cares that their car in hemorrhaging money. Not everyone is willing to cut cable, get a prepaid phone, and take the bus to work to free up 200mo. Thats 100 their choice! Sure, you can give them the option they come here asking for help on their budget, but it definitely doesnt need to be in the majority of the threads. The most recent example that led me to this post: Refinancing car? Also student loan questions He has a couple pretty simple questions about refinancing and his student loan situation. A simple, Yes, it is a good idea to refinance as long as there arent a lot of hidden fees involved. Blah, blah, student loans, blah. Maybe throw in something about maybe trading the car for something else.What does he get? Bombarded with comments that offer nothing more than to criticize him buying a car. He gets almost no help with the questions that he actually had. Who are we to tell someone how to live their lives? His car may be the only thing that he enjoys to do. He spends 600 a month on it, big deal. A lot of people waste a helluva lot more than that and have absolutely nothing to show for it. At least he has a car... This was just the most recent one, there are plenty of others even just on the front page.TL;DR: Tailor your answers to the OPs situation. Dont try to change their lifestyles to fit yours, unless they ask for it of course.Does anyone else feel similar, or am I just completely alone on this?  <response>: Advise here is shooting for optimal. It is optimal for a 20-something to be saving 10,15 or 20 toward retirement. Those early savings will become the biggest growers. However, people may not choose to prioritize the long game because they may use that retirement budget to travel. Meh, its personal choice and a value judgement...most are young and will use the money as they best see fit. Im glad that they are at least consciously making decisions.Telling someone who bought a new car for 3x their annual salary that their decision was stupid? When your payment exceeds or equals your housing payment, then it is a stupid decision. Stack on student loans, and your debt ratio is getting pretty large. People post here because often they feel stuck, we offer practical advise and insights that they may not see based solely on self-examination. Again, it is optimal advise, but they will not follow it if they would rather stay in debt and keep certain luxuries.I enjoy this sub because it reinforces the point that many people were conditioned to embrace a consumerist life style which is fine as long as you arent paying 20 interest to support this lifestyle. Few of us intuitively understand principle such as live below your means or pay yourself first or that YNAB. IMO, these are the very nuts and bolts of living a life relatively free of financial stress. 