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Reply to "Dave Ramsey worth it?"
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[quote=Anonymous]I like DR's principles and think his books/forums are a good place to start if you are in debt. I modified his program a little. I still use credit cards, but pay it off at the end of the month. I payed high interest student loans first instead of the smallest balances. I contribute to my retirement plan as it helps me with taxes and I get a match. I keep a high EF as $1k won't even cover my rent. I also follow mister money mustache's blog about early retirement/simple living, although it's a little more difficult in such a high cost area. [/quote]
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