But they are not gospel.

Often, the advice they give is meant to be as palatable as possible, rather than realistic.

And if it gets you in the door, thats great.

Thats all fine and dandy, BUT… 10% will never result in life changing money.

Its a good read with lots of good discussion, so hit the link below for Millers full article.

The Problem with Mainstream Personal Finance Gurus (and the 10% Rule)| 20SomethingFinance