Good article and I agree with it all. It would be nice to point to the two, self interacting mindsets of Dave Ramsey and Robert Kiyosaki.
I see some people talking about compound interest. Agreed. It’s key, but understand it. Stocks are not compound interest. They might simulate it over a long term though. You need to invest in assets to grow yourself, but also financial assets. Start learning about these. Start early. Stay out of debt.