I also read the book too and that was where I learned that 10% of what I earn is mine to keep. Saving or paying off debt, which one should come first? For me, I rather use one stone to kill two birds by minimizing how much I spend on expenses. There are some unnecessary expenses that need to be cut off so we can do both together and we are on our way to financial stability. While you have your income, after removing whatever percent you can for savings, reduce the cost of expenses and use the remaining to pay off your debt bit by bit until you have finished paying. With this, you won´t be missing out on savings.