<prompt> Human: Ive been watching quite a bit of Dave Ramseys YouTube videos lately hes pretty obnoxious but seems to know what hes talking about and I have been reading up on his approach of tackling debthandling money. Im wondering if anyone has followed these steps? How did they go? Or if anyone thinks theres a better way way to handle your money or steps to paying off your debt, what improvements do you suggest? Just want to make sure Im making the most of my moneytime.Here are the baby steps as he refers to them...Baby Step 1 1,000 to start an Emergency FundBaby Step 2 Pay off all debt using the Debt SnowballBaby Step 3 3 to 6 months of expenses in savingsBaby Step 4 Invest 15 of household income into Roth IRAs and pre-tax retirementBaby Step 5 College funding for childrenBaby Step 6 Pay off home earlyBaby Step 7 Build wealth and give! Hoping Im in the right place for this question, if not please direct me to the right sub!  <response>: I think that a Dave Ramsey plan is very good for people that are in debt and out of control with their finances. It is something that people like this need to follow until they find something else that might work better for them. 