[fatboy]

Ramsey teaches that before you buy a home you need to pay off all of your debt and have a 3-6 month emergency fund in place. This is very good advice; I didn’t take it and it caused us all kinds of stress. But alas, we finally got sick and tired of being sick and tired, implemented the 7 Baby Steps and now our stress levels are low because we have no debt, a 10 month emergency fund, a paid for home/cars/kids college and are putting close to 40% of our income into retirement accounts. But having said all that I don’t care what other people do with their money.

[so_real]

Agree with all you've said. On this point, "But having said all that I don’t care what other people do with their money.", keep in mind those folks vote and historically they've voted to take money out of your pocket and gift it to them. If only we could dispense with the financial "safety net" government *claims* to provide, but does not, and should not. A lifetime of poor financial decisions should be financially painful.