re: How much to put down on a home? (more than 20%?)

quote:

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But I guess that premise gets this response too . . .

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Of course. I conceded as much - the 5% that don't need Ramsey, don't need Baby Step 6, either.

However, avoiding interest is money in the bank - money you neither have to invest nor yield a return on - just to break even.

I don't think disciplined people are hurt by a 30-year - probably some benefit to it - but it requires much more active management.

I don't even see my mortgage. I'm on biweekly payments, timed to my paycheck, and it is wonderful. Back in the day, that was literally the most agonizing thing to deal with - of course I wasn't making very much money back then either.

Sorry. You guys can go back to bashing Ramsey, now. Hell, it's my fault for even bringing it up. When someone asks for money advice, I'll just keep my trap shut from now on.