<prompt> Human: I say this as someone who hails Dave Ramsey as a hero, and I follow Daves plan nearly to a T. But, Dave Ramsey is not a Financial Adviser, and he admittedly preaches very little that he himself came up with. No, Dave Ramsey is not a Financial Adviser, he is a motivational speaker. His 7-Baby Step plan is set up in such a way that you get quick goals, a powerful psychological boost. In fact, he admits that the Snowball method of paying off debt does not mathematically make sense over the Highest Interest First or Avalanche method. The reason for this is the psychological boost. I have seen a lot of posts on here lately that, I think, discredit a lot of what he preaches simply for the fact that it is not mathematically whats best. However, he states that a lot if this is more about the quick wins than the long dollars. If you doubt this, watch this clip where he explains paying off debt with gazelle intensity. Would you expect Warren Buffet or Zig Ziglar to act that way? He is a motivator, pure and simple. Just my 2 cents...  <response>: In fact, he admits that the Snowball method of paying off debt does not mathematically make sense over the Highest Interest First or Avalanche method. The reason for this is the psychological boost. Im no fan of Dave Ramsey, but hes right. Personal Finance is 80 Personal, 25 Math. 