I put all of our debt in an excel spreadsheet and WOW! It's crazy to see it all out in front of you. I am going to follow the Dave Ramsey method (the baby steps). We have a lot of savings so I'm going to sit down with my husband and we need to decide how to tackle this debt instead of keeping a lot of money in savings and paying a ton of money that payments. Has anyone been successful with the Dave Ramsey method