[alexander_busek]

and I always took Dave Ramsey’s advice

Do you mean Gordon Ramsay, the famous chef - who advised about always reserving for three, haggling with the sommelier, avoiding "specials," etc.? What advice did Dave Ramsey give?

Regards,

[epluribus_2]

Dave Ramsey quote (after reviewing expenses and plan):

“Honey, I finally figured out where our retirement went...

We ate it!”