Reply to DD and fiancé are living way beyond their means. Do I say anything?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Ramsey's insistence on paying off mortgage is also smart. Most people spend extra money so instead making additional payments on mortgage can shave off several years.[/quote]

Ramsey's advice is for people who can't make good decisions for themselves, so they need someone to tell them to do suboptimal things that are easier to comply with because they require less self-control to avoid temptation.

Unsurprisingly, Ramsey and his target audience are religious people. [/quote]

Well, considering most Americans have student loans, mortgages, car leases and credit card debt, 80% of the nation is his target audience, religious or not.

Homebuyers with student loans, car lease and mortgage with PMI, go out to buy shopping for new furniture and decor as soon as they sign the title. Why won't one wait and save?[/quote]

Good question.

But with the persistently high rates of bankruptcy, it’s clear young people are making terrible financial decisions.   Someone is clearly getting very rich off these kids’ misery.

Why wouldn’t you want them to get sound advice from someone like Ramsey?  Those here criticizing him probably work for the banks or those shady “credit repair” schemes.[/quote]

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