We've been on the (Dave) Ramsey Plan for years and I find that many of these plans boil down to a simple thing: Delayed gratification. Give up the "wants" for

We've been on the (Dave) Ramsey Plan for years and I find that many of these plans boil down to a simple thing: Delayed gratification. Give up the "wants" for now to get a bigger benefit later. It sucks not going out to eat or buying Starbucks as often as we used to. But we do it by choice so that the $5, $10, or $40 now stacks with the $5, $10, or $40 from next week and the following week and can be put to something more important later on. As a result, we were able to wipe out all of our non-mortgage debt in about 2 years. We didn't have a ton by current standards (2 car payments, student loans, small cc balance), but killing all of that immediately reduced our stress and increased our options.