The core tenets of my work as a personal money coach:
1) approach each client with unconditional positive regard, and
2) reject the notion that everyone secretly yearns for (and should yearn for) a white, upper-middle class lifestyle.
My experience of the Personal Finance world and of Personal Finance “professionals” is that they generally assume that second point — that everyone yearns for the same image of financial independence: a mortgage-free home in a solid upper-middle-class neighborhood, a cushy stock portfolio, a few toys in the driveway, and full retirement by 45 (if not earlier).
Don’t get me wrong — if that’s your dream, go for it! [I could help you work to achieve those goals.]