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

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So basically the idea is that, sure, you can beat the 4% interest on the loan with 8-10% investing in the market, but you have to account for the risk that your market investments could return less than 4%, or even go down.

Is that basically the gist of it? And if so, wouldn't a high-yielding dividend fund (or basket of high-yielding dividend stocks) drastically reduce that risk while still returning 6-10%?

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No he just wants you to get rid of debt plain and simple has nothing to do with investing and getting a better return