I'll admit I started the Dave Ramsey bashing and then it apparently took on a life of it's own.
Hey. . .some aspects I agree with. For instance, the "debt-reduction" philosophy I really recommend to self-employed people.
Self-employed people take their risk in securing income and building a business so it makes the most sense that they buy conservative investments and act conservatively with paying down debt.
That being said, all the way back to the OP, Jinco's gainfully employed. Therefore, since he's "rolling in" an evenly distributed $240,000/year. . .he doesn't have to act as conservative IMO unless he senses his business is gong to undergo a catastrophe.
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