<prompt> Human: So, I listen to Dave Ramsey regularly, and am immune to the religious parts which I can ignore. However, I cant help notice his tacit approval of tithing, 10 off of gross income, while people are trying to pay off debt. He would argue that there is something spiritual and a blessing that occurs when you tithe.As I dont acknowledge the mystic benefits of tithing, but seeing as how people do well on his system to pay off debt, how about saving 10 of my gross income as I pay off debt? And when the debt is paid off, in reality, I can contribute 25 of my salary the tithe plus his recommended 15 savings. Anyone do this?CANAssistant: Here are two things that I absolutely know to be true: You dont have to do what Dave Ramsey says to get out of debt People who tithe and succeed at paying down their debt would pay it down faster if they put the tithed money towards the debt too.Human: Agreed, so was just looking to repurpose that 10. :  <response>: The best way to repurpose it is to put it towards debt depending on interest rate. If you want to save it instead, thats your choice. But paying down debt mathematically is the better option depending on interest rate. Dont try to use this ideas of tithing as an excuse or justification for your choices. Acknowledge the mathematically optimal choice for your situation and acknowledge if you decide to make a different choice. 