You probably heard about these personal finance superstars: Dave Ramsey, Mary Hunt and Suze Orman. They publish books, send out famous checklists and trademark baby steps, but is it really a smart idea to follow the advice of a budgeting superstar? The answer is yes and no. During the “accumulation” phase of life, it’s a good idea to follow the advice from these personal finance superstars since the basic concepts of eliminating debt, saving for an emergency fund and investing for retirement are universally accepted as sound financial practices. Those with significant income or unusual financial situations are best to follow personalized advice, rather than the generic financial advice. “Celebrity financial advice might motivate some people to get out of debt and start investing, but it certainly won’t work for every situation. The key is to find the method that has you taking action for a financially secure future.” (usnews.com)