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

I was really bad with finances with I was younger and got myself into a LOT of debt. I started listening to Dave and watching Suze Orman, buckled down and did a hybrid approach between the 2 of them. I wasn't 100% all in, rice-and-beans, as Dave suggests, but I certainly got very focused on my financing, my debt and getting myself out of it. It took several years, but I got it done. I now live 100% debt free other than my mortgage, which I am actively working on having paid off in the next 6-7 years. After years of drowning in debt, there is definitely a freedom and liberation that comes from being debt free. Perhaps paying down debt (especially low interest debt) vs. investing is not always the best decision on paper, but the peace of mind that comes from being debt free is worth it to me.