Total Money Makeover by Dave Ramsey

[ToomuchStuff]

Here is a quote from myself earlier in this discussion:

"So I am essentially starting Dave's system from the bottom.

I will save the $1,000, then hammer at the medical debt, then build the real emergency fund. "

Exactly, skipping step 2 and going to step three before all debt is done. It is a modified plan, not DR plan.