Lets go to baby step number one. He wants you to put 1k in an emergency fund while you are still in debt.
Many emergencies will be over 1k, then what? You might not ever run into an emergency and the money is just sitting there instead of lowering your debt.
NIME.
Regardless, that's not what I've seen in most of this thread.
How long did it take me to get an inkling of an answer to my somewhat unrelated WL question (which, btw, the ore I read of the provided info, actually convinced of the opposite)?
Every so often someone begins an debate if some substance but most of the time (at least it seems to me) it's mostly cyclical arguments, round n round.
My actual position on DR, I like a lot of what he , not everything, I'll take what I can use and ignore the rest regardless if he believes that it's all or nothing.
As for my general outlook on debates and arguments, I don't have to be right as long as I get what I want.
If i don't think I'll get what I want I try not to bother (despite being tempted to argue)