these are great!...until we scratch the surface and realize each of these can be done incredibly well or incredibly poorly. There is an enormous amount of implicit knowledge in them. And when knowledge is left implicit in instructions, it gets filled in with what knowledge and knowledge structures already existed.

E.g., paying off credit cards probably means paying them off monthly, but what if it means paying off all the debt I've already accumulated. Do I have to make a will before that?

Guiding credible knowledge construction is hard

The unspoken issue in this thread is that financial education, in fact a lot of education nowadays unfortunately, is unlearning things that are taught wrong at home. If the parents have a bad (not null...bad) understanding of financial literacy or role model bad things, you are fighting an uphill battle.

Scott Adams list is typically shallow...it provides just enough information to look credible while leaving enough flexibility that anyone who fails at this is blamed instead.