re: How many of you follow Dave Ramsey's advice for everything?

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Dave’s advice is absolutely a good baseline starting point for everyone. The more risk you want to take (from having knowledge about finances), the further away from it you can go.

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Grew up without money. Made Stroud decisions. Got married and had student loans and more dumb decisions.

Listening to him gave me a base knowledge and got me on board with paying everything off. All my debt. Sold.my big fancy truck and took the profits to pay off all the small shite loans I had and the rest left over a 96 gmc truck for 3800.

Drove that for 3 years.

No we owe nothing except mortgage and has allowed us to homeschool after my wife quit her job. The frugality and a place to start got me there.

I give his book to graduates fro. High school on the off chance they'll read it. Wish I had.