True, those are all good things to do, but that's all about growing your money for retirement. It completely misses the side of protecting that money you work so hard to grow. Financial health is about more than building up savings, it's about building up resilience. You can gamble on not being one of the millions of people that become disabled / die and can no longer work each year to support their family, or you can play a little defense and wise up on what the adequate insurance levels are, create a will / trust, etc. These are the things people don't currently understand. They understand if they save more money they will have more money.