maat55 - I think as you do. I think the plan especially important when one just begins the journey to financial freedom. Of course most people on this forum do not need Dave Ramsey's baby steps. We are all more or less financially savvy and get our direction from reading pf blogs. However we have basics to build on. A person who is in the beginning of that path does need direction and motivation and inspiration knowing other people have been in the same or worse mess and have gotten out of it - and Dave Ramsey does just that
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