<prompt> Human: Here me out. Theres some good advice here usually. But a lot of the time it seems like this is turning into the Suze Orman show. The advice is good here, but I also feel like the personal part of finance is taken out. There are many blanketed rules here that sometimes dont make sense. Im like supposed to have 40k saved up, but never touch it. I cant get a nice car, because you should never finance a depreciating asset even though I live in an area with sucky transporation and a lot of people here live in more densely populated areas. I guess what I am saying is, a lot of the advice seems to be taking any type of joy available now for some unknown future. Eventually we all will die, so it seems eventually there should be a wall somewhere. Ive learned a lot from here and should have taken some advice earlier. But its like if you break one rule, you might as well burn the entire castle down. A lot of people here tell us to avoid x, because you could just do it yourself. To me, a lot of people here have skill capital. Not everyone can figure out stocks by themselves, so they hire a financial advisor or purchase a mutual fund. Some people literally dont learn to have time to learn how to fix a car themselves. Living as cheaply as possible and saving as much as possible is like never going out to sea to hunt because of possible sharks...even though youre in a boat.Not sure what Im trying to say as this is slightly a rant but this personal finance stuff is getting stressful.  <response>: Most people here will talk about a 3-6 month emergency fund. If that means you spend 40k every 3-6 months then yes, that is the general rule. If you spend 40k every 3-6 months and cant save 40k, then something is wrong. That is a lot of money to spend. you should never finance a depreciating asset even though I live in an area with sucky transporation No one here has ever said dont buy a car, people say that you should buy a car well within your means. Buy with cash if possible. But in answer to your real question:Obviously most things here are not geared towards personal stuff as people dont know everything about it.Personal Finance is about financial security.This means: Not spending outside your means Having emergency money to protect against unexpected events Saving for your retirement future financial security Having money to spend on things you want to spend it onFrugal is not the same as personal finance. 