I haven't use Ramsey's technique but I have little dept (outside my home) one car loan and one school loan.
I plan to have both of those gone in 2 years, I have two CC's but only use one and pay it off monthly. I own both my truck and bike outright so if needed I have some liquid cash.
I want to have at least 6 months finances in a local savings account then start working towards an IRA.