Dave Ramsey works! I am living proof of that. I thought I would still have to work when I was 93 years old, because I would never be able to afford to retire. With the Dave Ramsey program I got out of debt and retired at age 50. I can't say enough good stuff about Dave Ramsey. Read his book. Do what he says. You will NEVER regret it. It may be a little bit painful at first, but when you start to see it work, it gets pretty exciting. Yes, my newest vehicle is 5 years old and my neighbors are driving new ones. Ask me how much the payments are.(Just one BIG one the day I bought it for CA$H.)
I bought Dave Ramsey's book for all of my kids. Now, if they would just take his advice.

In case you didn't get it the first time, let me say it again. Dave Ramsey works!