<prompt> Human: I will admit that Dave Ramsey taught me how to budget, helped me to gain control of the basics of my finances a couple years ago and helped set me on a path of financial freedom.That said, after learning the basics, and reading here, I think his baby steps program is horribly flawed in one particular way:He oversimplifies finances to the point that, in my opinion, youre paying a HUGE amount of money in the long run in opportunity cost for a fuzzy feeling or mental win.For about a year, I stopped funding my TSP Federal 401k basically to pay off debts. However, after reading this subreddit, and doing the math, I realized that funding my TSP at the fully matched 3 additional 2 matched at 50 hardly affected my paycheck in any meaningful way, due to the pre - tax TSP deduction and affect on other tax deductions due to the reduced income. In fact, the reduced income almost pays for 1 of my TSP contribution due to the reduced tax hit.For me, the extra two hundred some bucks a month thrown pre tax into a fund that gives an immediate 100 return is worth waaay more than saving the 5 Im paying toward student loans. for the record, Im still paying the loans off on an accelerated time line. Thoughts?  <response>: If people were obsessed with the math, they wouldnt be in debt. Hes appealing to the emotions that got them into debt, feeling good. 