Much of it is good advice. It's much easier when you have a government job with great benefits and never have major health issues. For the last few years my attitude has been to evaluate something in terms of it helping me to make money. I have a few skills that have helped me keep my head above water and provides me income when I need it. Edit: Before Dave Ramsey there was Charles Givens. Remember the book 'Wealth Without Risk'? Besides the normal pay off your credit cards he espoused having a tax strategy by having some type of side business. That strategy has helped me to no end.