Reading this makes me understand why people get so confused by personal finance advice.
They basically tell you to do many conflicting things at once with no sense of priority or importance.
Payoff your credit card debt.
Contribute to your 401(k).
Contribute to your Roth IRA.
Buy cash value life insurance (riddled with fees of course!).
Spend some of your tax return check.
And a Merrill Lynch Wealth Management VP really thinks rounding up checks to the nearest dollar is going to get people on the right track? Really???
So, thoroughly confused, the poor reader goes back to the old consumer habits that make them feel better, even if only for a few minutes.
I think it's good to have personal finance in these types of magazines, and don't mean to be negative about your recommendation to read it, but it drives me crazy when articles that are supposed to help make personal finance so hard.