Debt is like flying an airliner. If you're well trained and seasoned it can be an incredible tool to do amazing things. If you're untrained and inexperienced it is highly likely you will crash and burn.
Dave Ramsey's approach is very good for majority of people who are not well versed financially so he uses the throw the Kitchen sink at all debt approach, even Real Estate debt. Outside of extreme situations like the Real Estate bubble, most financial experts would advise never pay off a piece of Real Estate. It is not difficult to exceed the interest on the debt investing(Stocks/Bonds/Real Estate/Commodities etc) over the remaining period of the mortgage.
https://www.fool.com/investing/2018/...arly-even.aspx
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