Exactly right.
We enjoy Dave Ramsey and began the baby steps about 7 years ago. So far we have done baby step one about 8 times. My husband works extra jobs and puts in about 80 - 90 hours per week.
The one thing I have never heard Dave address is how to manage if you have a child with a chronic (expensive) medical condition. If we had the thousands of dollars that we have spent on prescriptions and doctors, we would be debt free and have our three to six months of expenses saved up. As it is, we have no cash on hand, live paycheck to paycheck and still have some credit card debt. Beans and rice is our norm...we have little to no extravagances in our lives.
Still, we aren’t building debt on the card and we were able to pay cash (through God’s provision) for a used minivan last year and it is wonderful to not have car payments. I do wish DR could address those of us who struggle financially due to never ending medical expenses rather than careless spending.