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Medical insurance is a basic necessity. Advising someone to skip that is irresponsible and degrading.

I would only 100% agree if this person had dependents (that medically rely upon his benefits).

I live on about twice that in a mid-sized US city. Own my car, rent in below-average part of town.

$1000/mo? Pff, that is luxury. Live on the streets, dumpster dive, forage and hunt for food, eat every other day, and you can get that down to $0. If you really need income you can take up sex work. $1000/mo, imagine!

The "just stop eating avocado toast" advice is neither helpful nor thoughtful, friend.

That’s not “just stop eating avocado toast” advice. It’s advice to cut extremely high expenses.

Avocado toast advice is dumb because it’s an expense that doesn’t move the needle.

Cutting medical insurance, for example, is a good way to end up medically bankrupt and lose anything you’ve ever saved if anything goes wrong. And by the time someone hits 40, chances are something has gone wrong.