Paying off debt

[InbetweenDreams]

I have heard about Dave Ramsey and will have to give him another look. I remember him saying the first thing is to get $1k in the bank above all else...I suppose that is possible but that means basically not paying but only the minimum payment for several months. Then I'd say the key would be to NOT use the money, period, otherwise you're right back where you started. However, that's just a little snippet of what I remember him saying.