“It’s like the financial wizard that tells you how you will live a comfortable retirement if only you invest your million dollars in a Roth IRA immediately, and it all sounds feasible until you reach in your pocket and pull out coffee change.”
Another example is when Steven Covey used to use the old story about the rocks and sand in the jar. I kept wondering what was wrong with me that I always ended up with no space for the rocks. One day it dawned on me that people like me, with ordinary lives, start our lives with a half a jar of sand and will never have room for the rocks. We need a self-help guru that recognizes that.