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It’s like telling someone to water their crops while they are experiencing a drought.
It’s more like telling someone to methodically manage their irrigation before, during, and after droughts.
I think the hierarchy is
I totally see where you’re coming from though. It is definitely advice for what to do once you’re not sinking so to speak. It’s advice for step 3 of that process. Folks like Dave Ramsey (who really needs to be taken with a grain of salt, lots of grains) are for step 2 (and maybe 1).