Patrick McNally

The Caveat. @ramit recommends, only use and optimize your use of credit cards if you do not have any credit card debt. And potentially debt of any kind. He gives the 5 tangible steps on how to get out of debt. 1. Figure out how much debt you have. 2. Decide what to pay off first. 3. Negotiate down the APR. 4. Decide where the money to pay off your credit cards will come from. 5. Get started. With emphasis on the get started. You can incur significant interest when credit cards average 14-24% APR. So, no matter which plan you go with, get out of debt quickly. I found this to be a commonality among IWT and the Total Money Makeover.

The Caveat. 
@ramit recommends, only use and optimize your use of credit cards if you do not have any credit card debt. And potentially debt of any kind. He gives the 5 tangible steps on how to get out of debt. 
1. Figure out how much debt you have. 
2. Decide what to pay off first. 
3. Negotiate down the APR. 
4. Decide where the money to pay off your credit cards will come from. 
5. Get started. 
With emphasis on the get started. You can incur significant interest when credit cards average 14-24% APR. So, no matter which plan you go with, get out of debt quickly. 
I found this to be a commonality among IWT and the Total Money Makeover.

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