<prompt> Human: Happy Sunday!Wife 28 and I29 are starting financial peace university. Was wondering if anyone has gone through the program or generally what you guys think of Dave Ramsey.  <response>: If his charisma and enthusiasm help you to spend less and save more, then hes done his job. The specifics are more sketchy. He advocates not putting in 401K up to the match while youre getting out of debt. Thats mathematically insane. 100 rate of return is worth it! What hes really doing is playing head games. He doesnt think you can realize that something is good for you, and do it, he thinks he has to treat you super simplistically for you to follow it. I think hes underestimating you! Yes, its great to pay off a debt and move on snowball, but if youre watching your total debt go down and saving more in interest avalanche youre better off. So, go to class, listen to the big picture stuff, learn the things hes advocating then do your research about whether you want to follow them exactly, or learn the more effective way through rpf. I should add, Ramsey did help my pf journey. I listened to his podcast for a while a few years ago. Id never heard people could pay off their houses. Only independently wealthy friends had done that in my life. Just hearing it was possible, and getting out of debt was a thing I wasnt crazy to want, encouraged me to get completely out of debt last month in fact. I didnt use his steps, but Im grateful for the inspiration. 