Yes, some threads get off-topic, but there are others like me who interject something new into the conversation when the OP didn't even know that something new should also be a relevant question. So how can the OP even ask a question pertaining to that side topic?
For example, one of the areas I am comfortable addressing relates to those who are getting ready to retire. Often the OP just wants to know if they can afford it financially. They believe that once they retire, they will stay in the x% tax bracket. Since I am well-aware that RMDs and SS starting at 70 can cause some folks' taxes to increase more than they are expecting, I often point out that they should estimate their post-age-70 tax rates before they retire. If the taxes will be a surprise, it might be well to start doing Roth conversions early. They didn't ask about doing Roth conversions, but it will be too late to ask when they are in their 70s, because they then can't change their plans regarding taxes. I saw a couple people this last week who calculated everything up to age 70, and then they thought they are "home free". But without recommending they re-consider what will happen after age 70, they only have the first part of retirement planned.