re: Dave Ramsey's Financial Peace

I get disability coverage through work. My company also matches 40% of my 401k contributions all the way up to the max, so hitting that is my # 1 priority no matter what, then Roth, then cash savings/taxable accounts. Bonuses and my tax refund this year will go toward some form of cash emergency fund. I know that I did things a little out of order, but it's worked for me and I'm comfortable with the risk of not having much cash. I know it will pay off in the future when I have a fat stack of cheddar in my 401k by the time I am married/have kids.