Maat55,
The challenge you have when posting your views about Dave are that there are many people on this board that ARE financially savvy. You said that you agree with Steve that his plan would work. (in regards to the 30 year vs. 15) because he is disciplined unlike a lot of others. I agree with you on this. However, there are a lot of people on this board that are just as disciplined. While this baord does attract a lot of people that are looking for advice such as Dave would give, it also attracts a lot of people that are financially savvy. I think that is where you get pushback.
This reminds me of some of the survey questions you see on sites such as money.com or something like that when they ask if you are on track for retirement and 80% of the people respond taht they are. Well of course they are. You get a higher proportion of financially secure people on that site responding to those type of questions. That is also what you have here - and where you get pushback. I am not saying that Dave's advice isn't good, just that there are other options that are equally appealing to some.
So, keep on spouting your Daveisms. That's what we like about you... and it works for you. As for me, I'll just keep on investing the difference in my 30 year mortagage vs. a 15. It's what works for me. In the end, we both will be "living like no one else" and "walking through the grass of our paid off homes." We will just have gotten there by different routes.
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