What is the best piece of financial advice in regard to the various investment and financial opportunities advertised?

MARK ME BRAINLIEST

Professor Pollack of the University of Chicago, manage to fit this advice into one index card. He enumerated this:
1.       Max your 401k or equivalent employee contribution. 
2.       Buy inexpensive, well diversified mutual funds such as Vanguard Target 20XX funds. 
3.       Never buy or sell an individual security. The person on the other side of the table knows more than you do about this stuff. 
4.       Save 20% of your money. 
5.       Pay your credit card balance in full every month. 
6.       Maximize tax-advantages savings vehicles like Roth, SEP and 529 accounts. 
7.       Pay attention to fees. Avoid actively managed funds. 
8.       Make financial advisor commit to a fiduciary standard.
9.       Promote social insurance programs to help people when things go wrong.