This fits a pattern I keep seeing: advice that only works if you already have the thing it's supposed to teach you. The index fund post skips the part where you need a boring job, an emergency fund, and a stomach that doesn't flip when the number drops 30%. Worst one in my family chat was "renting is throwing money away," shared by an uncle who forgot he got his down payment from his parents. Nobody posts the part where the advice depended on luck they already had.

And it's always the dumb obvious thing too, every single time.

Does three weeks really count as cycling though? That's just the algae settling down, not the same as the water actually being ready for fish.