I also graduated from Stanford, with distinction, and should point out to you that you meant to say well-meaning, not well-meaninged.
You commented:
“I think that you sound a little bit like Suze Orman with your well-meaninged yet somewhat cookie cutter advice. Your advice is perfect for a person of average ambition and intelligence who is at constant risk of making a bad decision.”
So I gather you are above the fray?
My advice is heartfelt, and represents my own wisdom, gained the hard way.
Why don’t you drop by this forum in 25 years or so and let me know how things have worked out for you.