I'm a fan of his as it relates to getting out of debt, but don't agree with all his investment advice. If you listen to him talk about buying mutual funds, you'd guess that they never go down in value. It's just not that simple. ESPP's can be a great deal if you work at a company that offers one, but don't over do it.

I work with lots of families that struggle with personal debt as part of my work and you don't have to sacrifice every bit of lifestyle to pay it off. Like with almost anything, moderation is usually best.

The biggest source of extra cash for most families will come from changing spending habits, not from trying to make more money or take more risk on their investments. If a third of your money goes to paying personal debts each month, that's where you can find the extra dough to send a kid to college and build a decent retirement account. Won't happen in a week or month, but a few simple changes will get you there eventually. Most families I work with can get everything but their mortgage paid off in 2-3 yrs with a focused effort.

If any CB'er would like some help with personal debt, I'll send you my book for free. Just BM