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Message: [QUOTE="HuskyHawk, post: 5283457, member: 1414"] I think many younger people could benefit from exposure to Dave Ramsey's advice, except on investing, where he's way too conservative. If you have student loans, you should definitely not have a car loan. Drive something you can buy with cash and pay that down. Debt is your enemy. Don't let credit card debt roll month to month. If you can't pay it off, wait. Max your 401k or similar. Max a Roth if at all possible. Once you are debt free except for a mortgage that you can afford, then you can start thinking about having nice things. Convert any 30 year mortgage to a 15 as soon as possible. The interest savings will be huge. Your goal should really be to become a net investor who earns a lot more in interest and dividends than your pay. Wealth creation is largely about crossing that divide. [/QUOTE]