<prompt> Human: His plan helped me personally get out of debt over 80k and I am working on my larger emergency fund step three of his plan. Every time I read a post from this sub I just want to tag Dave Ramseys home page. To the haters: why? To the believers: how come I dont see more of his advice here?  <response>: The better off you are, the less his advice makes sense. Edit: Spelling is hard. 