One size advice does not fit all. I disagree with Dave Ramsey.
I bought my first house on 30 year fixed and second house on 30 year fixed. I even refinanced and extended term on current house by a year.
Cash flow and investments need to be evaluated beyond just the period of the mortgage payment. I invest quite heavily, mortgage payment is much more than 25% of net (around 25% of gross), and I will be retiring before Dave Ramsey, I think.
If I followed his advice, no way I could retire in 15 years.
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