[obelos]

Dave Ramsey's sledge hammer method is geared for those tending toward the innumerate end of math skills and the low end of self-control. They are simple, unqualified “baby steps” and rules that don't require one to understand any nuance to personal finance. They are not an optimum and don't really pretend to be. There are several rules he offers as non-negotiable that, for those who have even marginally above average money skills and self-discipline, end up costing their practitioners more money in the long run. It's a good program for those who suddenly find themselves buried in debt and don't understand how they got there; it's less suited for those who are already doing well or have a clean slate.