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Second, I think the problem is that people who are truly aware of potential disasters plan better. Dave Ramsey gives advice that works for 90% of people who are bad with money management. And for people with lower incomes.
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DR say's regularly, to prepare for any forseen problems by beefing up your EF.
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So yes Dave Ramsey's not doing retirement savings advice can be hugely detrimental to a person. It's not detrimental to get out of debt, but his advice can be very harmful
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You obviouly do not read his books or listen to his show. He advocates investing daily.
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As for 30 versus 15, there are many arguments why it's better to invest. One key factor Maat you have to consider, is if you aren't maxing out your 401ks and IRAs, then you should not be prepaying the mortgage. You are losing out on the tax break on the 401k, the mortgage tax break is all fine and dandy. But you can never go back and invest in a 401k.
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Again if you were to read or listen, you would know that he has a 7 step plan. Paying extra toward the house, comes after investing 15% into 401's and roths and anything else.
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Another reason which I've pointed out is security. Cash is always king. You talk about not using CC, well if believe that you cannot help but believe cash in the bank is better than a mortgage. You can always pay down the mortgage 100%, but you can't refinance without a job, at least last I checked.
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I agree with your point, it can be done. But I will bet you 100 bucks that 75% of those who take the 30 with the intent to save the difference, will not do it.
You are making numerous false statements concerning DR's plan. Please investigate before you speak.