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[quote=Anonymous][quote=Anonymous][quote=Anonymous]If your finances are a huge mess then you could do worse - and likely already have - then following his advice. That said he costs a lot of people a lot of money. To all the people who posted here about all the debt you paid off, take a look at how the stock market has done over that time period. If you have been investing in ETF's instead of paying student loans or mortgages you would be worth a lot more money. Don't get me wrong, I don't think it's objectively wrong to pay off your mortgage or student loans, but Ramsey pretends it is objectively wrong to keep them - that is profoundly misguided.

Plus, he leads you to overpriced advisers and has ridiculous ideas about debt snowballs. [/quote]

My physical and mental health improved when my debt was eliminated. Some people--like me--are physically and emotionally burdened by debt and the worry that comes along with in ways you cannot imagine. Paying off my debt as a top priority was the right path for me.[/quote]

I am the same way. I have 37K left on my student loan and my husband and I have been doing side hustles to get that paid off. Would I make more in the market if I invested our side hustle money?  Probably. Do I care?  Not in the least. I want that loan GONE. Psychologically it is going to do way more for me to be debt free than the market ever could. Unfortunately, no matter how much you explain this, there is one guy who always feels the need to tell me how stupid my decision is.  Oh well. [/quote]

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