Who here uses the Dave Ramsey or similar methods to paying off debt? How has it been working for you? Trying to get the wife on board to do so because I would really like to be debt free at least so besides the house. However it’s been a hard sell because she likes nice things and doesn’t have patience. We by no means are living beyond our means at the same time though just she would rather have that new vehicle, etc now instead of saving up to pay cash.