re: How many of you follow Dave Ramsey's advice for everything?

Dave is speaking to average debt consumers, and he offers them sage advice. If one cannot handle low interest debt (or debt in general), Dave is their guy.

However, if, for example, your 30-year mortgage is 2.8% and let's say you have the equivalent cash invested, with expected earning 7+%, over mortgage-equivalent period, Dave is not your guy...in my opinion.

(risk / return rears itself again in these pesky financial decisions)

For some, "peace of mind" of being debt free outweighs the alternative thousands/millions of dollars to use other people's money to make money.

It is personal. But, Dave is not for everyone, especially those who use other people's money to make money.