Questionable advice. Especially on paying off debt and saving money in a bank. And no mention of tax deferred accounts or index funds.
IMHO, both tax-deferred accounts and index funds are topics for different articles, like "how to invest in index funds" or "list of tax-deferred accounts."
Step 0: Make enough to save some.
Right which may include moving to an area where you can actually afford to live based on your type of income.