I discovered Dave Ramsey back in 2001. Turns out, I was doing DR before I even knew it was DR !Yep. Apparently I bought some iPhones. Checked my accounts just to be sure everything was okay but other than that I don't sweat it. Smartest thing I ever did was going all-out Dave Ramsey. On top of that I make sure there is no money in the 2 checking accounts I'm responsible for around here. Lol
I listened to him for a few years, but it gets old after awhile.
That being said, we owe nothing to anybody. House is paid, vehicles are bought cash, etc etc. Sure was nice when Mrs. was furloughed for a month+. No worries about upcoming payments, and emergency money in the bank.