In other words, he is oversimplifying and using some crass rhetoric. Exactly what Dave does on almost every call.
BTW, I didn't say he's a good guy; I said this guy's good. Completely different meaning.
Neither is crass, but whatever. DR is extremely pushy about his method and says to use his method only. Anyone with half a brain cell can appreciate that's obviously not true. But if you follow his advice, you might not be in the best position you could have been, but you won't be in debt and you won't be harmed badly.
BTW, I have seen a bunch of this guy's other videos, and he does have a very good way of simplifying and explaining concepts. He agrees with DR on most things, and is only using the "DR is Wrong" angle as clickbait.