Damn straight. Me and my wife will be 100% debt free in a few months. All cars paid for, no other debt, other than the mortgage, which has another 13 years or so. We live well below our means, in terms of what we could afford, so that we can retire earlier, plus take more vacations and generally be in good financial standing. Dave Ramsey knows his shit, but really, most of it is common sense... :nod: