I don’t see this mentioned there, but that Apple has largely ignored enterprise works out as a strength; other companies wrote and open sourced pretty good tools. That can result in tools that better meet your needs, and generally will result in a lower TCO.
Yeah don’t listen to Dave Ramsey. I remember hearing him speak on TV as a kid and something just felt off about him, but not quite as bad as Suze Orman.
I don’t think he’s a scammer, and some of the stuff he says is perfectly sensible and useful, but he (a boomer) also gives advice that isn’t how he got rich, to millennials and co, who will never ever get rich following it. Structurally that makes him pretty out of touch, and suggests anyone who listens to him should do so critically.
That’s putting aside that he’s also kind of just telling people to do capitalism harder, and everything that comes with that.