He tells you to do this in the extreme short term. The goal is 18-24 months to pay off debt, not 50-10 years. Ultimately this isn't a huge some of money even if

He tells you to do this in the extreme short term. The goal is 18-24 months to pay off debt, not 50-10 years. Ultimately this isn't a huge some of money even if you run it out 30 years. The point is getting out of debt and not going back, on average people don't have the discipline to make the most mathematically optimal moves. The individual isn't winning 9 times out of 10 when they try to leverage debt, most don't have access to things that can actually get a return on the risk of debt.