Why? There are several people here who do well for themselves financially. Technically there's even the chance that McJagger would show up and throw in his two cents, and he's very well off.
Also, in a case like this I am much better at filtering information through what I know of people's personalities than by reading webpages or official pamphlets written by people I don't know. Companies who write guides will be serving their own self-interest, whether they are investment firms, private consultants, etc. Webpages of unknown origin could have been written by people with less financial knowhow than those here. Not to mention, people's advice doesn't have to be good to be helpful. If an idiot earnestly tells me to do something, I now know what not to do.
At any rate, I can't think of any reasons for you to be casting aspersions on my intelligence unless you are hypersensitive about your own lack.