[Snoopy2645]

I dont really know dave ramsey I have heard alot about him but not really listened to him ever.

But as for buying home I thought I would chime in & say I also saved up for my house & bought it with more than 20% down & using about 25% of my income for my house payment & I also seen alot of friends buy homes with no money down & get way over thier heads & guess whos got foreclosed on not mine!!! Also remember with less than the 20% down thier is also PMI & remember thier is taxes & insurance something I really didnt realize when I bought my first house at 19 but I made it ok why I believe is because I wasnt in too deep to start.