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The goal of money is freedom. If your financial plan doesn't increase your freedom, it's the wrong plan.
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Increasing your income by $20,000 a year is far more impactful than optimizing your portfolio by 0.5%.
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The most powerful financial tool you have is your income. Everything else is secondary.
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Financial planning without lifestyle planning is just math without meaning.
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Most financial advice addresses 10% of the picture. The other 90% is taxes, income, insurance, and legal structures.
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There is no one-size-fits-all financial plan. Anyone who tells you otherwise is selling something.