1. Love Dave Ramsey’s baby steps. I’m on #2 right now working through debt and taking drastic measures by selling our second home (lake house) to shore up the trenches. I listen to Dave every day and love his advice. Practical and no BS. So far it’s working for us!

  2. Some great advice, easy to understand which makes the advice even better. It’s odd re the emergency fund that there seem to be opposing schools of thought on this endeavor, for and against. I for one, am firmly in the “for it camp”. Anything that helps prevent debt, particularly outlandishly high credit card interest debt, is the only way to go. Thanks for the post, Adrian

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