The number one criteria for people dispensing financial advice is: are they rich?

If the answer is no, the advice is generally worthless.

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Define rich as that varies.

Rich = successful in the endeavors in which they pimp

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Fair answer

True, but that is just common sense, it's like getting diets advice from a fat man, you should not listen 🤷

That’s why I never give one:)

I mean that isn't necessarily always true.. like 98% if somebody is broke nasty but they say buy Bitcoin ...

Even rich people giving financial advice are usually part of the money problem. Not interested.