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Reply to "Do you follow Dave Ramsay?"
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[quote=Anonymous]I don't know that I "follow" DR, but I have listened to him quite a bit. He doesn't always go straight by the numbers. For example when paying off debt he says to pay the smallest one first (so that you can have small wins to keep your momentum going), even though starting with the highest interest rate might be better mathematically. His stance on debt is that it is inherently risky. So owning your house free and clear is less risky than even a low rate mortgage. So his argument is not about the math but the risk. [/quote]
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