We started a 401K after we were married, but not a large contribution. Also, my haphazard method of picking funds and trying to time th market was not very successful. It wasn't until I read Dave Ramsey's total money makeover a few years ago that we started on the right direction.
Funny enough, my dad taught me to never carry cash because you might get robbed. As Dave says, the thieves can't see who is carrying cash or a credit card. DW's mom was not good with money and didn't have a credit card, so DW only used cash. When we got married, I convinced her to stop carrying cash, and now that I want her to give up th credit card, she won't.
So, while we don't completely follow the Dave Ramsey system, we refinanced th house and will have it paid off in 20 years from original purchase. We increased 401K contribution and picked mutual funds based on his recommendations how to pick them.
DVC would not be a Dave Ramsey recommendation. But, praise the Lord, everything will continue as is for the next 10 - 12 years and DW and I can retire with government & teachers retirement, work part time for another 10 years, and then start living on interest from 401K.