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[quote=Anonymous][quote=Anonymous][quote=Anonymous]
Someone doing Dave Ramsey would have a six-month emergency fund prior to attempting to pay off the house.

[b]Dave Ramsey is a program for people who are not good at managing their personal finances.[/b] Little, if anything, about it is optimal from a numbers perspective.

[b]But, it is a program that spendthrifts seem to be able to keep up with,[/b] and seems to have helped a lot of them go from having lots of consumer debt to being debt-free.

Personally, I have never done Dave Ramsey. I don't need to. I have chosen to pay off my mortgage because I really enjoy the freedom it gives me. I have never liked being in debt, and I appreciate being off the treadmill of having to have income to pay off a huge, looming bill every month, and know I'll have to work for the next 25+ years.[/quote]

Are you fairly young? Life's circumstances can also do a number on a family's finances--especially, major illnesses or other setbacks that result in huge debts and sometimes the inability to continue working because one parent or other family member has to be a caregiver.[/quote]

I'm confused.

I'm the quoted post, but I don't actually disagree with anything you posted, or really see how it brings into question anything that I posted.[/quote]

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