The people who Dave Ramsey gives advice to do not understand concepts like debt amortization…
Jay Sun

If not paying off the highest interest debt for them, behaviorally, when the logical way doesn’t, then it’s better for those people.

I think most people could understand the benefits of paying off higher interest debt first, even if they’re not disciplined enough to actually do it? Maybe they just aren’t able or willing to track it to give the same mental ‘progress’ high?

It just bothers me that people of otherwise normal intellect might default to the Ramsay snowball without trying the sensible way first.

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