Looks like it's too naïve, but it's good advice for people living in the U.S. and that have mortgages.
The point is that - like with most things - if you don't have a plan and you haven't defined success, you can't get there.
A plan doesn't make it easier but it makes you think about the details, gives you something to work against, and lets you track progress.
Looks like it's too naïve, but it's good advice for people living in the U.S. and that have mortgages.