Tori Dunlap

speaker
4,115 appearances 12 recordings 1 series first heard Jun 2026 last heard 8 Sep

Tori Dunlap’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months
5 · Jul OctJan 26AprJulnow

Recordings per month over the last 12 months — 12 in all, peaking in Jul 2026 with 5.

Appearances

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And as we know from previous episodes of the show, time is way more important than the amount of money when it comes to investing.
So you've just waited 15 years to start allowing compound interest to work harder for you.
Right.
And what happens with Dave Ramsey in particular, right?
And this mindset that like all debt is bad and must be gone immediately, and that you got to pay off your debt as quickly as possible is that it costs you actually a more fruitful, stable.
Retirement, it costs you mental stability and peace of mind.
This narrative, and you know, this person is mentioning that she feels this weird emotional pull to pay off your mortgage.
That's not a fucking accident.
That's like Dave Ramsey 101 shit, which is shaming you for having debt and making it your number one priority in your mind, as opposed to actually crunching the numbers and being realistic about how life works.
Right?
Let's say you're lucky enough to buy a house at 25, and then again, we pay off our mortgage, you know, 15 years early.
Well, now we're 40 years old before we even think.
Think about prioritizing investing.
That's not a great experience, right?
And then let's say that we prioritize investing after our 30-year mortgage, right?
Let's say that we're not able to pay it off early.
Well, then we're looking at you being 55 by the time you're saving, right?
The average retirement age in this country is 57 to 65, right?
In that range.
So
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