Earlier quoted context omitted.
"1. Calories in, calories out is the golden rule." Yes, but I'd argue it's not a very helpful rule. As it has been said before, it's pretty much like saying that the golden rule to get rich is "money in vs. money out". Correct, but not very helpful.
How is it unhelpful to be told what you need to do? Are you saying you need more specifics? If you want to improve your financial position, either earn more money (get a side job, take a higher paying job with more responsibility), or spend less money (buy beans and rice in bulk, prepare your own meals, sell your luxury car to get rid of the payments and drive a paid-for beater, take public transit and read a book on…
This is what you need to do. Do you need more specifics?