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Straight answers are fine....but trying to pretend to be an Internet Dr. Phil is what makes you less sincere
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I am not telling anyone what to do I am giving common sense advice is all, my hand is not in your bank account, spend what you have or don't have how you choose
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The above is the most interesting part....I have nothing against Dave Ramsey, but what people pay him to hear they could have learned from their parents or grandparents if they listened while they were young.
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Dave's radio show is free and his book costs about 10 bucks, if you want to go to financial peace university it is more but I think only the people that have real bad problems need that