Recently i came across youtube channel of Dave Ramsey. He teaches people no debt first then saving. Does it work for Singapore?

Looks like Singapore is quite difficult without using debt for big ticket items like car and housing.

It depends on what debt it is.

To accelerate your own finance, some debts are necessary. Good debts such as Mortgage.

Even if you have the cash now, do you want to pay everything to your mortgage and be left with no cash? You wont want to do that because cash flow is king.

However, if you do have credit card or personal loans that are charging ridiculous interest, you should pay it off first.

So it really depends on what type of debts you are talking about.