My goodness, another ad hominem and strawman attack.
Where on earth did I say sell audio gear or any of the other above nonsense? Please show the quote where I said sell audio gear, whistle or whatever other total gibberish you just stated?
Instead of making up the above listed items how about answering these questions yes or no:
Are automatic investing programs like 401K’s a good way to accumulate wealth?
When you spend money do you lose the opportunity to invest it?
Do automatic spending plans like music and video streaming services, software subscriptions, car payments, etc make it easy to spend money?
Are “low monthly payments for life” a myth because those opportunity costs are tremendous?
Are many Americans without sufficient retirement savings?