reminder to focus on our finances in a basic way. He's up in the night about the 401k and about not taking out student loans for college, even grad school. I used to listen with my son in the car and we'd talk about making good money decisions and about where we thought Dave's advice didn't apply. It's not the reason my son's great with money, but it's a reinforcer about basics.

Most people need any plan because they have none. Prioritizing your situation would be different than most