That might be true. But I'm under the impression that:
- Flying is often said to be the biggest individual climate-harming action by individuals.
- Most people, even in the West, are kind of poor and haven't flown anywhere in the last decade.
- Most people, even in the West, don't have "investments" unless you count a measly pension they don't have much control over anyway.
- The mobile phone market is struggling because people aren't upgrading as consistently as they used to, older handsets are good enough, and newer ones aren't special enough. People have enough spares now that they pass old ones on to their poorer friends.
If that impression is accurate, perhaps others are generally closer to the emissions levels reached by the GP commenter.
Some other areas for improvement may be car use, home energy and food, as these are all things which can be significantly improved. I imagine most people (in the West) still drive a lot, have woefully inefficient homes, and buy food based on price and appeal rather than climate impact.