<prompt> Human: I have been a lurker on rpersonalfinance for some time now. I have also been on Daves plan for a couple of years. I am just interested in what other people think of his approach to personal finance.  <response>: He sells common sense. If youre in a bad spot with debt, then listen to him. If you already have a decent understanding of living below your means and budgeting, then hes not exactly for you. 