Isn't that how most things are? There is never a one size fits all.We don't fit into Daves target audience. He gives allot of good advice and is enjoyable to listen to though. It's hard to find a single "advisor" for our situation so I listen to several and use what works best for us.
I deal with guys who don't fit either but you will find they follow some of the same basic financial principles.
I was talking with one who just built a multimillion dollar home in aspen and another who was buying a monster boat (poor them lol). Both have MBA financial guys who told them borrow the money because they have investments all over the place that earn more. Both ended up writing checks for both items. The banks wore them out with questions so they said screw it. Both said they are glad they did. Both told me the same thing... it's nice knowing you are making money on that difference but it's a lot nicer knowing you don't owe any one a darn thing.
... and I agree. That feeling is addicting and it's amazing the things you can will choose to do with out to maintain that feeling.