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@robbentley I think steps 1 to 4 make sense. There's some things that could be tweaked like a bigger starter emergency fund, and we don't have the same retirement fund benefits they do so, while investing 15% is a good idea, I wouldn't put all that into kiwisaver. Steps 5 and 6 are the two I...

@barbarossa If people need to use either method, they're probably bad with money. People that are good with money don't tend to need debt payment strategies