Here’s an interesting article on Dave Ramsey by Megan McArdle. I actually hadn’t heard of Ramsey until fairly recently, but I’ve been following a lot of his ideas (have an emergency fund, pay off debts, etc.) for quite a while. I would say I’m about 70% there, for good or ill. I have a much larger emergency fund, I have a 30-year rather than 15 year fixed mortgage, I have a car loan (though mostly paid off), I pay by credit card and pay off the balance at the end of the month for most purchases rather than paying cash, and I don’t give anywhere near 10% for charity. But over all, this is pretty sound financial advice, especially if you’ve had trouble with debt in the past. I had a little, but less than 1/10th the $100,000 the author racked up in student loans…