[maat55]

Originally Posted by disneysteve

I think you're right. A decent plan is better than no plan, even if an even better plan exists. I've said before, there is no one-size-fits-all answer to most financial questions. You can take different routes and end up in the same place. One way might save you a few more dollars than another way, but in the end, both ways work.

When someone comes along and poses a question to the board, we will each continue to give the type of advice we've been giving, whether it is the Dave Ramsey philosophy or the Suze Orman advice or some other methods. I think that gives this board a nice mix and balance so that folks looking for advice get some options and they can choose the method that makes the most sense to them in their situation and in their mindset. Each person knows their own strengths and weaknesses. Some people need a "forced" or automatic savings plan, others can commit to sending in that monthly payment manually month after month. Some will invest savings, others will end up blowing it and never having it reach the bank. Some can use credit cards responsibly and reap the benefits, others need to live credit card free if they are to have any hope of getting their finances under control.

So let's just keep the discussions civil, as they have been for the most part.

I couldn't agree more. I don't attack Suzie or any other adviser, but I or Dave gets attacked regularly on these forums. Steve, thanks for being a sound voice of reason.