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[quote=Anonymous]Using YNAB and Dave Ramsey principles (and some tough love from DCUMers) helped us pay off $110k of student loans and a car loan in 1.5 years. We’re now debt free other than our mortgage and have set bigger finanacial goals for our future. I agree with others that following his advice to the letter isn’t necessary (we have 3 kids and could not go down to a $1k emergency fund, nor would we stop contributing to retirement). But we finally learned to make paying off debt a priority and his steps helped show us how we could. [/quote]
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