system
A chat on subreddit /r/NoStupidQuestions
human
I'm an atheist, but I did the Ramsey thing at my parents' church when I was younger. His stuff is largely common sense but definitely helpful! A lot of people are financially illiterate so hearing simple concepts spelled out is great

Though it's a shame it isn't taught in schools that much lolol
gpt
By the time I had seen his stuff I had already “made it” so to speak and didn’t need or want to live on a tight budget. But the first decade of our marriage quarters were Important and I did live by these guidelines. We essentially only borrowed for cars and our house. I remember saving up 2 years to get new couches. But back then if I couldn’t afford it I didn’t buy it. Maybe went out for lunch once a month. So his approach works but if you’re diligent you can do it yourself.