Since you welcome feedback, here's some random thoughts:
1. I think you're too dismissive of controlling minor costs. You also say kinda contradictory advice ("don't avoid lattes to save $1000/year but do cut down your cable bill to save $70/month"). I mean yes you say "big vs small," but that distinction is kind of arbitrary (is $5 small? is $20? is $50? etc). As I note below, the focus should be on what people value not necessarily on whether each individual decision is big or small however you define those terms (if you highly value watching your out of market NFL team, then maybe you buy Sunday Ticket but don't get lattes... if you highly value coffee from a coffee shop, maybe you buy starbucks frequently but don't get Sunday Ticket... etc).
2. You're ignoring Roth IRA conversions for people with high income.
3. The r/pf graphic says 3-6 months for e-fund, but you don't really say that in the text. You say "with kids your e-fund should be higher," but that would already be implicit in 3-6 months expenses (expenses obviously grow when you add people). May want to add that if you have certain potential emergencies then that may warrant a higher e-fund (e.g., a car out of warranty, a house, etc).
4. I think your post overall is just too focused on various options as vehicles for savings (e.g., roommates, no car, cheaper car, etc). The overarching message should be that you have limited funds and you can't have everything (e.g., want to eat out more? maybe you live with roommates, want a nicer car? maybe you don't go to the movies as often, etc). The point should be that people focus on their own personal priorities, whether those are living alone, their hobby, having some luxury goods, or whatever, and cut back in areas that are less important. That said, it's of course fair to suggest options, but harping on them as necessary seems weird to me.
5. You use weird definitions and imply that words don't mean what they mean to get over weird reactions you assume people have (e.g., "emergency fund," "budget," etc). First off, your definitions are literally the same as the word you're trying to get people to avoid so it just comes off as stupid (an e-fund is the amount you need to have to get through financial difficulties). Second, your readers are presumably higher-educated people, if they have a psychological aversion to the word "budget" or don't understand what you mean by "emergency fund," etc, then they have problems beyond personal finance that your post ain't gonna solve.
6. I wouldn't necessarily call an e-fund "cash on hand." Obviously an e-fund should be liquid, but I usually have a lot more cash than my e-fund because I have large inflows and outflows of cash at various times each month (paychecks, rent, cc bill, debt payment).
7. Is it really necessary to take a perfunctory jab at the vast majority of people who congratulate others when they make big purchases for themselves and it comes up in conversation?
8. Not every health plan has an HSA.
9. High interest debt, not sure I'd pick 6%, but I'd note this can come down to personal preference as to what each person feels is "high."
10. Overall, I'd have a huge note at the beginning that the most important part of "personal finance" is that it is "personal." Meaning that people need to do what works for them. Recommendations can only go so far and are not right for everyone.
11. You should give r/pf shoutout (that's where the retirement wrapper graphic comes from iirc).
12. Your student loan advice seems way too categorical and lacking knowledge of options outside of IDR plans. I also suspect that many refinancers don't need a cosigner, and if they do it's not their spouse that covers them (I suspect a family member/parent is more likely for the obvious reason that if you can't cover a refi by yourself then you (1) likely aren't married yet and (2) likely can't be saved by your spouse who likely doesn't make significantly more than you do).
13. No offense, but I don't really see this adding anything that something like r/pf's wiki (https://www.reddit.com/r/personalfinanc ... mmontopics
) doesn't except that it's peppered with your personal preferences for saving money and maybe a few FIRE tips/ideas.