Agreed about the time and money constraints. All the stuff mentioned is easier if you have money. But, especially when you don't have money, this stuff isn't really "simple." Habit and behavior change is very difficult, especially if you have adhd or other mental health situation.

People sneer at Jordan Peterson and Co. (and rightfully so) but his popularity is indicative of people really wanting some kind of framework to organize themselves into improving their life in like, the next month. (And not 2 years from now when your union gets concessions from your boss, or legislation passes, or someone overthrows the government). Everyone knows what to do ("common sense") but not how to go about actually getting it done.