I use his plan to get out of debt, build the 6 months of EF and 15% into my 401k along with our kids 529, and a 15 year mortgage. The issues I have is his plan is not a 1 size fits all approach. A couple years ago I purchase a new car that I intended to pay cash. The dealer offered 7K off MSRP if I finance with the manufacturer. I did that and paid it off once I got the first statement. Dave would not approve of it, and if I followed his plan, I would have to pay cash even if it cost more. I also use a Cash back credit card, that I get $1,500 a year in cash back and never paid any interest. We also track our spending every day and do a budget. I guess you can say we are Dave-ish.