You know what's easy? Talking about stuff.
You know what's hard? Actually doing the stuff you talk about.
A lot of people seem to know all the answers. They know what people need to do and how to do it. They can help absolutely anybody...except themselves.
Somehow, people that "have it all figured out" haven't quite figured out the part where they actually do all the things they tell everybody else to do. If this is the case, maybe you should question if these people really do have it all figured out.
And when you get to the point that you are giving advice to other people, take a moment to reflect and ask yourself, are you living your own advice?