Overrated budget options that nobody talks about [v4]

Spent the last few weekends digging into this and the deeper I go the more questions I have. There is a lot of conflicting advice online and most of it is from 2019. Not sure if this is the right place to ask, mods please remove if it is not.

There is a lot of conflicting advice online and most of it is from 2019. There is a lot of conflicting advice online and most of it is from 2019. There is a lot of conflicting advice online and most of it is from 2019.

Quick context: I am relatively new to this and trying to find my footing. Spent the last few weekends digging into this and the deeper I go the more questions I have.