[E. Pluribus Unum]

Actually I get it. Ramsey’s core audience is financially stupid people.

We have been debt-free for 16 years. Not having a house payment enabled us to stash away plenty for retirement.

[Responsibility2nd]

Being debt free is a primary goal. But the ways Ramsey says to reach that goal are sub optimal for financially literate people.

[Bobbyvotes]

I have been debt free since agee 28.
Now 56 years later I have not paid one red cent in interest. That makes it very cheap living with no mortgage, no car payments, no credit card debt. I don’t need to buy collision insurance or home insurance. That alone saved me $2500 every year. I never had an accident in 65 years of driving couple of million miles.