Dave Ramsey is one of the dumbest "financial advisors" I ever heard. His financial advice is the same for everyone regardless of the situation. Never borrow money, including for mortgages.if you have debt, live on spam until you pay it off.

For some people this may be good advice, but it is often horrible advice. I know many extremely successful businessmen, and they all took loans for their businesses at some point.You need to take risks in order to make money. What is a better long term strategy, using your money to purchase a single building mortgage free, or purchasing ten income producing buildings with mortgages. Any successful investor will tell you the latter (assuming they are good investments).

The only reason Dave Ramsey has a penny to his name is because he somehow got people to listen to his crap radio show, because his investment IQ is non-existent.

Sorry for the off topic rant, but I have long had issues with Dave Ramsey giving shitty advice , and frankly don't give a rats ass about his opinion on anything