Should I Leverage My Debt To Invest More?

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[@nickm4662]

“The sense of peace that you have when you have zero debt is not definable with mathematics.” -Dave Ramsey 👌

[@julianhooks477]

It’s so true… the stress involved is impossible to calculate. But Peace of mind is priceless.

[@chinoto1]

I was thinking about graphing the gains of different investment/debt-payment behaviors before watching this video, but thanks for quoting this since it apparently didn't break through to me during the video.
The potential outcome of playing money games doesn't matter because I'd ultimately rather be rid of the debt.

[@terriesmith2616]

You already know what Dave's answer is going to be.

[@thesig301]

I disagree with his advice on this topic too, 2.8% loan is so low. Invest.

[@will9134]

2.8% for 10 years is insane. I would absolutely continue holding that debt.

[@TheRealDealNeal]

Mine is 2.65 for 30 lol

[@pvn0369]

@@TheRealDealNeal yea, that's normal.

[@JonathanSorunke]

It’s funny how by a thumbnail you can already tell what Dave going to say. It’s like a challenge to see how many ways he can say “no” lol

[@user-ey7hq6bn4d]

The rich stay rich by spending like the poor and investing without stopping then the poor stay poor by spending like the rich yet not investing like the rich

[@samhunt1384]

[@cutesparkle3228]

How do I keep in touch with expert Margaret??

[@Felix-qe3nr]

Investing with expert Margaret has been a life changing experience for me

[@HectorChamizo11]

I'm an Asian and live in Florida, I and two other of my friends tried her and immediately we testified her performing wonder

[@pereztrader]

}}

[@d_all_in]

Doesn't want to invest his cash, but wants to invest his home equity. Huh?

[@Matt-cr4vv]

Yeah his scenario is weird. He’s too nervous for the marker to have his retirement account invested but he’s ready to have this in the market. I think where he worked it out in his head was the similar dollar amounts to where he doesn’t fully appreciate the money from the second home to be scared to lose it like he is for his other money. But it also seems like someone probably floated the idea to him and he needed someone like Dave to bring him back to reality. Because he didn’t fight it at all.

[@robloxvids2233]

Has this guy ever met Dave? Lol.

[@thenewwayhome]

He may have just known about this show and Dave and the Baby steps. He's good to go for being debt-free at 61. Great talk!

[@bblack340]

Someone at Ramsey needs to go back to school and learn when "too" is used.

[@cookinthekitchen]

Good advice

[@stereomaster4231]

Wrong form of the word "to" in the title. Read it as "in excess"

[@steviejd5803]

Dave is so inspiring. In my small way I’m following his advice and will be mortgage free by early next year. I’m looking forward to be debt free and hopefully travelling this beautiful world.

[@jimroscovius]

Totally debt free is amazing!!

[@steviejd5803]

@@jimroscovius Hi Jim, I’m working on it. I’ve had a few blips because life throws up curve balls. I’m on track to be mortgage free by mid 2023. Not too bad.

[@joeriveracomedy]

The grit pep talk is my new ringtone. I have been living it since 2009. Made the grindstone my you know what.

[@venkatsubramanian8343]

Love you young man Dave ❤😂

[@georgiesmith106]

👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻 great job caller!

[@rondrake3720]

The smile, gives it up.

[@scarpfish]

Someone in the media department at Ramsey Solutions needs a grammar refresher course.

[@bobmuh2242]

The caller is already a millionaire I think Dave needs to distinguish his answer for those trying to become a millionaire from those that are already millionaires

[@ChadZeluff]

He wouldn’t distinguish. He doesn’t tell anyone to leverage against their debts.

[@braceyourselvesfortruth2492]

I'm going to steadily pay off my mortgage while killing it with investments.

[@jon_ztvgl]

Slow and steady wins the race.

[@stimmons86]

Dearest Ramsey Channel Admin -- FYI -- There is a typo in the screenshot for this video -- it says "Use My Debt Too Invest".

[@tanpham7411]

No but I would use my debt to invest in a new proof reader/editor.

[@amireallythatgrumpy6508]

Including one who tells you that it wasn't their debt to leverage, rendering the whole premise of such a comment foolish

[@ssebo8354]

For the love of PEZ!!! Use the correct "to" in your cover picture!!!!

[@josephdigi9373]

So.. He's not investing with his retirement funds. Yet he doesn't want to pay off his house and invest that cash?? He's going to start investing now? 🤔

[@rikmik3046]

Oh my god, they actually speak like that. I thought it was just in the movies.

[@stevojohn]

*to* invest.

[@tr3slech3s]

Feel like I’m wasting time not investing apart from my 401K right now at 29. Getting into a rental property that I wasn’t 100% sure about but didn’t want to pass it up. Hopefully in a couple years I’d have paid it off and can start putting that income to invest.

[@sarahmilner8483]

Grammar check guys. Costs nothing. Too and to are very different!

[@calebgodard4554]

Thumbnail typo

[@jesusbarajas9444]

Goals!

[@dougholdem2898]

So much easier to retire when you have planned to have your mortgage paid off prior to retirement date.

[@anniegreen9966]

*to

[@davidmilhouscarter8198]

Just another form of leveraging.

[@webfreakz]

Too?

[@Mr_Fairdale]

If he was 31, invest, since he’s 61, pay off the PA house, imho 😊

[@mikesmith-wk7vy]

he is all over the place but he did well for himself he has a lot of money

[@ytr8989]

That’s the silliest thing Dave’s ever heard

[@ryanhall5973]

To*

[@DREQON2005]

Whenever I hear a New York accent I feel like I’m gonna be sleeping with the fishes 😂 he’s got that mob boss voice lol

[@donnafontaine2799]

Scranton PA not from NY

[@danieljohnson4418]

Invest the money.

[@johndrop8076]

So cool..

[@LifebytheBowRiver]

oh I wonder what Dave's going to say....lol

[@robloxvids2233]

Does this guy not know what an equities glide path is? At 61 you don't need to be 100% equities. They have Target Date funds that do this for you.

[@I_like_turtles_67]

F that.
I own a bunch of dividend stocks and will never sell them. My kids will end up with millions worth of stocks. Producing hundreds of thousands of dollars in dividends.

[@jh26pt2]

I'd use some of that debt to get rid of the extra O.

[@jesssc402]

I wonder how Dave built his wealth after his bankruptcy without any loan at all. Has he ever talked about it?

[@johndone8045]

Invest for 10 years, and pay off the rest if the interest rate is crazy 10 years later

[@Benjamin-ip5vk]

The thumbnail has the wrong "too" :/

[@furiogiunta556]

*Eye-roll* another humblebrag call.

[@jimmymcgill6778]

Invest it.

[@SPY_0-DTE]

I think you're looking for the BiggerPockets channel

[@clintperry799]

Caller is 62 and looking long term. 🤣

[@amireallythatgrumpy6508]

He is probably going to live another 30 years. Only idiots think short term no matter their age.

[@pyzik200]

Why would anyone even call to ask DAVE RAMSEY this question. Lol

[@manderm]

Not seen it yet but is someone really asking freaking Dave Ramsey if they should leverage debt

[@gottesma]

Why is this dude looking for leverage when he doesn't even have all of his investable assets invested?

[@epicgaming4946]

INVEST ITTT!!!!!!!!!!!!!!!!!😡😡😡😡😠😠😡😡😡😡😡🤬🤬🤬🤬🤬

[@Lilbit2215]

I know Dave gets so tired of answering the same old used up questions every time because sometimes I get tired of listening to them lol

[@johnathanwoods3094]

Dave fire your graphic designer. There’s a typo on the thumbnail

[@thesig301]

Dave’s advice isn’t using logical reasoning. Of course that’s not how people got rich but it most certainly is advantageous to invest when the mortgage is only 2.8%… being in debt will not hurt this guy either, he said he will be getting $11k/m.

[@DEBTFREEMIKE769]

Ken is a freaking legend

[@lukeharris2622]

🙏✝️

[@MarkSmithhhh]

Lol why would you even ask Dave ramsey this

[@TaylorMadeLLT]

Dave says the same stuff everytime

[@RandomVids519]

Hes not from ny or boston at all😂

[@Enginshim]

This guy has a million bucks asking if he should pay off his house. Come on we can do better with these clips can’t we?

[@MrTmenzo]

He's nervous about investing with his 401k funds today, but no problem investing for 10 years with his other funds? Newb

[@BaconMountainMan]

I want to invest the money from my home sale, but I don't want to invest the money in my 401k. Seems legit. 😅

[@justinc8293]

there is a limit to how much you can contribute to your 401k per year, it would likely be a in a brokerage account.

[@averagejoeshooting800]

Now you're just doing this on purpose...

[@JreiZz]

To

[@pitbullsyndicate93]

I'll take the debt all day long and invest for passive income. Good job Dave , invest in a failed u.s dollar lol.

[@thedopplereffect00]

Guy could go half way and buy safe treasuries paying more than his mortgage. Dave never recommends this because he can't math

[@dylannewton9986]

You miss the point

[@amireallythatgrumpy6508]

Because there is no such word as 'math'

[@jimmymcgill6778]

Personal finance finance is not a one size fits all.
Here goes Dave with his strawman argument. He is not taking any money from his house, or borrowing any money to invest.

[@adoe2305]

Except he has borrowed money and he is considering investing with it.

[@djpuplex]

To be fair these people are gullible enough to call the great profit Dave. They could mess up a bowl of cereal.

[@crashtestdummy1972]

Essentially he is if he still has a mortgage.

[@justzach832]

Debt is the way to life. There is no way you can have a FUN life without being in debt. Plain and simple

[@Kaktus965]

Yes there is. Quit whining in the CZcams comment section and put more effort into gainful pursuits for starters……..

[@jayc4715]

Debt = slavery

[@adanaranaa]

hi'

[@cita_m]

Grammar much?

[@wyatt1153]

One of the .005% of Americans above who didn't get thrown out of his job in the manufactured 2008 depression. Who became a millionaire. Extremely rare. One of the privileged few.

[@christ186]

So what is your successful CZcams channel...

[@amireallythatgrumpy6508]

There was no depression. Only a recession.

[@MrTmenzo]

Or didn't panic sell like the majority did.

[@PInk77W1]

Working hard is not a privilege

[@familyengineering5591]

T O O

[@Kevinj36541]

Too?