This seems like awesome advice that I have never heard before. Do you think it might be dangerous for some people? Like is it a "you must be this tall to ride this ride" kind of thing?

Also, it seems like it might help to have this made actionable by talking about the steps someone would take to convert their financial service provider setup to this. Do you have a good method for picking a broker? If someone was not very financially savvy (like they didn't know what a brokerage even was exactly) what should they do right after reading here to start on the path to setting things up this way?