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@faleroy I would definitely not take inheritance into account for financial planning purposes unless the money is already in an irrevocable trust with you as the beneficiary. Otherwise, there is way too much uncertainty for both time and amount for you to plan around that money.

@jessy200 That's awesome! I'm happy you were able to accomplish that. I'm also happy that while you use Dave's advice, you give it enough critical thought to not take all of it as gospel and know that you can discard some of his advice when it doesn't work for you like credit cards. Best of luck...

@jessy200 That's fair. I personally have some problems with a lot of his advice, but I'll acknowledge that a person in OP's situation sound right in the demographic that Dave can help the most by keeping it as simple as possible.

@silvernights The stock market return shouldn't really be considered since it is almost certainly an option for the OP to take the match but leave the money un-invested or in a very low risk asset. Not suggesting he should do this, just saying it's an option, which makes the stock market risk a...

@jessy200 The 3% match is a 100% return on your money. 100% is greater than 10% so basic math says take the 3% match then pay off the 10% debt. Now if you want to be a Dave Ramsey disciple and argue psychology over math, then that's a fair debate, but from a pure numbers perspective, the...

@fab01 I'm not sure if you or the other guy you are debating is correct, but you did just shift the goal posts pretty hard in your argument. You went from this is "fraud and time theft" to "he could be fired for this." Well if you are in employment law as you claim to be, I'm sure you realize...