"You are spending more money than you can afford.
This will result in unnecessary stress and misery in your life.
You will be happier in the long run if you reduce your standard of living to a level that's easily sustainable for you and put the remainder of your money into a substantial financial buffer for yourself."
Your decision / advice is rooted in anxiety / fear. This is much more about you than about the thing you’re talking about.
I think I would be giving a lot of feedback on others' feedback: "your choice of feedback topic and presentation style is unhelpful". But probably with fewer and more impactful words.
OK, I'll go first. I'd correct people's grammar and spelling a lot, and I'd tell overweight people how to lose weight.
My full confidence as being correct/right/true:
This I believe: