The works of: Dave Ramsey, Larry Burkett, Howard Dayton, and Ron Blue.
Spend less than you earn
With the margin you have created:
Save up $1,000 emergency fund
Save up six months expenses
Never go into debt
But if you are in debt:
Pay off credit card debt first
Pay off car loans
Pay principle on mortgage as much as possible
When debt-free use margin to invest and discover compounding