I've read all of Dave Ramsey's books in the past few years, and dozens of others throughout my adult life. I discovered that we instictively had done much of what Dave Ramsey suggests. We followed the Your Money or Your Life thing for a year and a half but hubby found it too restrictive. He didn't want to sacrifice so much today, because you never know what tomorrow may bring. The compromise was essentially maxing out our RRSP's (a decent savings level) and spending what was left.
There is no real secret, we've just always spent less than we made, and made slow but steady progress.
That's the reality of most of the real financial fitness books. It's not new stuff, just something we've collectively forgotten in our modern culture. My grandfather never paid a car payment, paid minimal mortgage payments, and saved a considerable sum when you consider that he worked in a sawmill, and wouldn't use stock since he was a 'Great Depression' kid.
The principals have been around forever, we've just forgotten them.
You're doing incredibly! Nice work!