Fair enough, I may very well be reading too much into it, but, just to explain myself: A comment strongly advising to do personal changes in someone's life, and lifestyle in particular, based on barely any information on that person's life, does sound judgmental to me. It's implying that he or she is doing something seriously wrong if he/she hasn't managed to save money and it's on the IT business (like if that were a guarantee of earning good money). The "seriously wrong" interpretation comes from the "strong advice emphasis". The comment is clearly making it sound like someone in IT who hasn't managed to save doesn't know what his doing with his finances and needs basic advice on lifestyle and saving choices.

> All of those things can lead to surprise costs, which serves to justify saving some coin

I think you're missing my point here. Of course it's a good idea to save, but not everyone's circumstances at any time allow to.