Dave Ramsey

It's a very small problem for you.

So you're not going to go bankrupt because of this.

You're not going to not become a millionaire.

Apparently you already have.

So congratulations.

But you didn't become a millionaire because you borrowed $320,000.

You became a millionaire because you saved money and got out of debt.

And I got to tell you, you have no idea, Craig.

it's going to blow your mind.

The peace, peace is going to run down your spine.

When you pay this off, you're gonna feel it physically and you're gonna sleep better.

It's that simple.

And, um, debt equals risk and risk has a math factor to it that you did not use in your little formula.

So your formula is naive and incomplete.

So if you adjust for risk mathematically, the money that you're making on your high-yield savings over the top of 2.75 isn't spit and won't buy you a biscuit.

So you're really not some financial genius here.

At the end of the day, you're actually fairly naive about it.

But it's okay if you want to keep your mortgage like it's a pet.

That's fine.

But some people keep pet snakes.