<prompt> Human: I am currently working to pay off a large amount of debt. At my current rate Ill be debt free inside 2 years. Ive listened to a lot of Dave Ramseys podcasts and he always says when paying down debt baby step 2 stop all retirement savings and singularly focus on the debt payoff. My question is my company offers a 401K match dollar for dollar up to 7500 a year with no vesting requirements. Once paid into my 401K the money is mine. What are your thoughts about continuing the 401K contributions to match the 7500 annually while stopping all other retirement or savings?Thanks for reading :  <response>: Dave Ramsey is pretty extreme when it comes to debt, and I think he offers some bad advice for most people because of that. Youre getting a 100 ROI on that 7500 if you contribute to your 401k, and at most 25 ROI on paying the debt assuming its all high-interest CC debt. If its not CC debt, youre getting an even lower ROI. Definitely take the match. 