Core Viewpoint - Dave Ramsey advocates for pausing 401(k) contributions for up to eighteen months to aggressively pay off debt, emphasizing stability before growth [1][2]. Group 1: Ramsey's Strategy - Ramsey's approach aims to free up cash for debt repayment, encouraging individuals to tackle their debt with urgency [2]. - The strategy appeals to those seeking financial control and simplicity in a complex financial landscape [3]. Group 2: Expert Opinions - Robert Johnson criticizes Ramsey's advice, arguing that pausing 401(k) contributions means missing out on employer matches, which is a significant financial mistake [4]. - Melanie Musson supports Ramsey's view but warns that individuals must be committed to using the freed-up funds solely for debt repayment [5][6]. - Leslie Tayne acknowledges the potential benefits of pausing contributions for those overwhelmed by debt but cautions against forgoing employer matches [6].