I agree the method he presents isn't mathematically optimal. We're also on a forum with many engineers and highly analytical people, which isn't his target audi

I agree the method he presents isn't mathematically optimal. We're also on a forum with many engineers and highly analytical people, which isn't his target audience. To use one of his quotes, "if you cared about being mathematically optimal, you wouldn't be in this mess to begin with!" His target audience is people who are living paycheck to paycheck, routinely taking loans to support a lifestyle they can't afford, and don't see how their spending habits are death by a thousand papercuts to their aspiration of being financially stable. To be clear, I'm not a Dave Ramsey worshiper. I strongly disagree with some of his workplace policies and hope he gets taken to the cleaners with some of the lawsuits currently going through the system. I have listened to his show many times, but don't follow all his advice. I'm not paying my superbly low interest rate mortgage down faster than required. I can't think of anyone responsible for getting more consumer debt eliminated than Dave Ramsey, and that should be commended. The vast majority of people would be far better off following his plan than continuing on their current trajectory. He recently declared war on the time share industry, and I hope he makes waves by throwing his resources behind it. https://youtu.be/o6VNi5hJpiU https://youtu.be/o6VNi5hJpiU