Dear Dave, My wife and I are on Baby Step 2 of your plan. Right now, we’re almost finished paying off the last of our non-mortgage debt, which includes unpaid taxes from previous years and some old credit card bills. We’re in a much better place financially than we used to be, and I’d like to start putting a little money aside for a vacation and a couple of other fun things down the road. My wife disagrees with this idea. She wants to stick to your plan 100 percent and finishing paying off the debt, then move on to...

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