I've heard the Ramsey crew on the radio more than a few dozen times.. I must say that they generally tell people that investing in education has a better payof

I've heard the Ramsey crew on the radio more than a few dozen times.. I must say that they generally tell people that investing in education has a better payoff than any other investment. They will quickly say to forgo the big loan and big name school for a cheaper school. They also take many individual things into consideration when giving advice to different people. When I read your rememberance, I immediately thought that the person on the call likely had some sort of rent-free situation (like grandparents paid off place to stay or such) - They do generally frown upon taking on debt in general - and will rail against taking big loans just to get an ivy league diploma - they will generally suggest that someone save money and find a college they can afford - so both saving up cash and searching for cheaper colleges. I know many people that will say the Ramsey way can be a loss compared to other methods - but he generally has some stats to show that for example 'even though you can make more with stocks than paying off a mortgage' many people don't do it right, and the peace of mind... so pay off your mortgage. Not writing this to push the Ramsey way - I am on the fence about some of the advice I have heard on the radio, and do not care for some of the religious stuff that comes out on occasion and apparently with how employees may be viewed or treated based upon how they follow or don't follow the book or whatever.. listening to those shows comes only when all the other stations have worse stuff on - so it's rare. But characterizing the advice in the way mentioned above, likely missed a lot of addition context for that particular call. I've heard him suggest low wage people move to other states / cities to get ahead.. I've heard them tell someone over 80 that going to college may not be the best use of time / money - I've heard him suggest all sorts of things that go against the 'general rules' they seem to push on 99% of calls - they really do tend to take individual situations into account - even if most of the advice is the same - spend less, spend cash, avoid debt, have an emergency fund, yada yada..