One of the recommendations is actually wrong, and in fact outright harmful.
"Buy inexpensive, well-diversified mutual funds such as Vanguard Target 20xx funds."
Yeah, no. Mutual funds, even those by Vanguard, have high expense ratios, and there is absolutely no evidence that they outperform their equivalent index funds. Jack Bogle, founder and retired CEO of Vanguard, himself recommends index funds over mutual funds for this reason.
"Buy inexpensive, well-diversified mutual funds such as Vanguard Target 20xx funds."
Yeah, no. Mutual funds, even those by Vanguard, have high expense ratios, and there is absolutely no evidence that they outperform their equivalent index funds. Jack Bogle, founder and retired CEO of Vanguard, himself recommends index funds over mutual funds for this reason.