Opinions are deceptive.
Despite being loud and intimidating and said with such confidence...
We should mostly ignore them.
If you don't believe me, just go to the MCG and watch the old Division 4 Country League Football from Moe (mostly for beers with the boys post-game) screaming their 'life-changing' opinions to the players. Despite how confident old Steve may be in what he's saying, he's got bugger all to back it all up with.
There's a difference between and opinion and something helping.
If a person trying to offer you financial advice is broke, ignore them. You want someone who you trust, who has money to teach you how to do it.
Don't be overwhelmed by opinions.
Look for people who have proof that what they're actually saying works.
Listen to them.