I was raised on Dave Ramsey and I've successfully followed his advice. His mistake--and the mistake of many of his followers--is conflating advice within a given context with justification for that context. I see this error everywhere.

I don't know what to call it exactly, so here are some examples. "If you don't want to get shot by cops, don't run" is good advice, but it's very different when said from a father to his son than a FOP spokesperson talking to the media after a shooting.

The father is telling his son how to survive in an immoral world. He is not justifying the world that makes such advice necessary. The same is true of women who tell each other how to avoid being assaulted vs. men saying "she shouldn't have dressed that way" after a rape.

Again, I don't know if this error has a name. Another way of putting it is when the advisor switches from speaking first/second person to speaking third person.

Back to Dave Ramsey. He's done a lot of good helping normal people get their finances in order in a world that preys on the week. At the same time, he often switches from advice to justifying that world. https://christiansocialism.com/dave-ramsey-debt-capitalism-socialism/

If you're in bad financial shape, following Dave Ramsey's advice can work wonders, but I do not recommend you adopt his understanding of the national or international common good. The common good of the family is as high as he goes.