[disneysteve]

I think the whole Dave Ramsey debate is getting out of hand. As I've said in many threads where the topic has come up, his system DOES work, but it isn't right for everyone. We are all individuals and have different needs, different financial problems, etc. There isn't a one-size-fits-all solution that is right for everybody.

Are there flaws to some things he recommends or points that one could argue? Of course. Nobody is perfect, including Dave Ramsey. If you want an example, maat, I disagree with his debt snowball. I believe that it is better to pay from highest interest rate to lowest than from lowest balance to highest. Is his way "wrong"? No. It is just different. It is based more on emotion and psychology than on finance and that's just fine as long as the person following it understands that.

Also, some people have mentioned (and I'm not positive if this is true or not) that his system works best in low cost of living areas and that his show often isn't even carried in high COL markets. Assuming that is true, it just goes to my earlier point that the system isn't right for everyone.

So can we all stop arguing with DR's system? If there is a specific part of his advice that you disagree with in a given situation, by all means post and tell us why you disagree and what you would suggest instead. I've done that plenty of times myself. But let's stop bashing DR just for the sake of bashing him. I don't think it is helpful to anyone who comes here looking for advice.