I’ve listened to Dave previously and used some of his concepts. I won’t “buy in” the whole way though, ya gotta live. I’m retired with a good pension and a 401K. Kid’s Undergrad paid for and they are on their own. House nearly paid off and no other debts. I use a credit card, but it gets paid off every month. I will probably buy and finance a new truck once the house is paid off in two years.