Hi Beef, Glad things are going well. The one thing I can say for the guy after listening for 4+ years is that he is extremely consistent. But just to clarify, Ramsey doesn’t advocate paying off your house until you have a fully funded emergency fund and are investing for college and retirement....While he has no problem with paying off the house early, he understands the need to build more liquid /investing wealth that is not tied up in the house. Also, while he likes real estate, he is also the first to tell folks not to do it if they don’t want the hassles of being a land lord... Not sure what you are talking about with the commercial on spending the emergency fund, though. It doesn’t sound at all like the kind of thing he would do......are you sure he wasn’t advertising something an item on which to spend disposable cash after getting debt free and building some wealth?
It was some foundation repair company. He words were “This is what you spend your emergency fund on.” Foundation issues are serious, but not all are emergencies.