<prompt> Human: Stats: Im 28, my husband is 30. We have a 1 year old. We are on track to take home about 55,000 this year not sure about gross. 80k spread between 2 Roth IRAs and 401k. Car paid off. Credit cards always paid in full. 40k in student loan debt originally 70k No mortgage, we rent We used to take home about 10,000 moreyear before baby was born below crisis. I want to stay home as long as possible. This past spring I was diagnosed with epilepsy after a series of seizures. Prior to this I had a small day care in my home. I was not comfortable continuing this as I was alone with babies including my own all day. Luckily Ive been seizure-free for 5 months since I began medication, but I dont feel right about taking care of other children at this time. Im sure that will be in the future again, but I need to know Ive been seizure-free for at least a year. So our income decreased drastically during that time as well as having to pay for a few thousand worth of medical bills. I found a job teaching ESL online PT in the early morning and evening while baby is asleep. Im not making what I was before, but its definitely enough. We were able to get through those difficult months both emotionally and financially without using CCs, but we depleted our cash savings. A few things...1 Its so hard to see that liquid savings gone. I know it was there for emergencies which we had! and we used it for a good purpose. Still , its hard to see that deplete and know I may not be able to contribute as much for the time being. We have around 1000 back in that account and slowly increasing but it still feels awful. If I were to have another medical crisis, I feel like wed drown. 2 I started watching Dave Ramsey and feel so conflicted about these student loans. After college, we did tons of research and decided to continue to invest fairly aggressively and pay off the loans slower. The interest rates range from 4-6. After hearing Ramseys advice, I feel even more overwhelmed. I thought we were doing well and felt really comfortable until the medical crisis and now my questioning of our debt vs investing strategy. Did we totally screw up? Assistant: I think Dave Ramseys advice is best for people who have no financial literacy and are facing a rock bottom hallelujah moment. You are not one of those people.Youre doing better than you think. Just keep plugging away in the right direction - trim expenses and pad income - and your position will get better every month. Once youve laid out your plan and youre keeping to it, the next step is patience.Human: That makes sense. I binged watched his YouTube channel last night and every one of the callers got the same advice: stop investing until all of your debt except house is paid off. Thats just not the mindset weve had and knowing how popular he is caused me to question everything. After reading forums and listening to him, it made me feel like we were doing everything wrong and his way was the only way.  <response>: yeah he appeals to psychology more than math -- the method is for people who dont understand the numbers, and dont understand their own emotional decision making that got them into debt in the first place.case in point - the snowball method. it doesnt make optimum sense financially, but it works for people who need an emotional reassurance they are making progress on a situation that feels helpless.you are more advanced than ramseys target audience... take his advice for what its worth... 