Apart from paying off credit cards, Dave Ramsay’s home and car buying advice is garbage, as you experienced.

My husband bought our 2,700 sq. foot house for $180k in 2011. We are going to have it paid off in the next 4 years. Comps in our neighborhood are pushing high $300’s now.

My sister pays more in rent for her one bedroom apartment in the same city than we do on our mortgage. And our mortgage is eventually going to go away. Rent payments do not.