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$180,000 Mistake: Why Dave Ramsey's Mortgage Advice Doesn't Work for High Earners
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Dave Ramsey says you should always take a 15-year mortgage. I disagree.
I put my client in a 30-year loan instead—and five years later, he’s $180,000 richer. In this episode, I’ll show you why blanket financial advice can cost you real money, and how to build a mortgage plan that actually fits your life.
This episode is for homeowners, investors, and anyone who wants to make smarter, more flexible money moves. Forget one-size-fits-all rules—let’s talk about real numbers, real strategy, and real results.
You’ll discover:
- 💡 Why 15-year loans aren’t always the “smarter” option
- 💰 How 30-year loans + investing can outperform Ramsey’s plan
- 📈 A $180,000 case study proving flexibility beats rigidity
- 🧠 How to optimize cash flow for long-term wealth
- ⚖️ When Ramsey’s advice does make sense—and when it doesn’t
- 🧾 The tax and risk management advantages no one talks about
👉 Ready to build your personalized mortgage wealth plan? Start here: teamellaportland.com
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