They say what's good for the goose is good for the gander. That is, until you get home one day and find a dead gander in your living room. If you want insight into the best ideas that can work for you and your specific situation not only now, but five, ten and even 50 years from now, you really need to read Dave Ramsey's book, The Total Money Makeover. It's worked wonders for me, and for quite a fair number of my friends too. Just google that book title and you'll find it.