re: Dave Ramsey's advice to pay off a car loan, rather than invest

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No. It's based on human behavior, not mathematical calculations.

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Makes sense.

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It's so frustrating reading financial message boards (not just this one, most of them are like this) because the hive mind in them usually dismisses the human nature aspect of financial decisions.

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So let's delve into that a bit... if someone owes $10k on a car loan at 4%, and has the cash to pay it off, taking into account the human behavior side of things, you'd pay it off because there's a good chance you'll screw up the $10k investment if you don't.

And if I was giving advice to the general public, I'd say the same thing Dave says.

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It's so frustrating reading financial message boards (not just this one, most of them are like this) because the hive mind in them usually dismisses the human nature aspect of financial decisions.

They seem to always want to frame everything in a pure mathematical approach while completely discounting human nature and human psychology.

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are they talking about their advice for themselves or the general public?

your argument only applies to the general public, which it doesn't seem to be aimed at with your words

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That statement can't be proven mathematically, but those with wisdom know in their hearts that it's true.

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the numbers are numbers