How does being a financial kindergartener change the fact that you want to pay the highest interest debt first to keep the most money and spend the least on interest?

Yeah, perhaps some people can't handle the responbility of managing money at all,  but the question of what is the right thing to do to keep the most in your pocket given a specific set of options is strictly a math question.  

I'm saying that someone who has a history of bankruptcy and makes his primary income from selling questionable financial advise to gullible people might not be the best financial advisor, as compared to perhaps Buffett or any of a host of others.