This text presents a debate between two financial advisors, Ric Edelman and Todd Ballenger, regarding the benefits of carrying a large, long-term mortgage. Ballenger argues that Edelman’s 11 reasons for doing so are outdated and misleading, particularly regarding tax deductions, equity growth, and the value of early investment. Ballenger advocates for a more nuanced approach to financial management, considering the individual’s financial situation and future needs. Ultimately, both advisors agree that the best strategy depends on the specific circumstances of the individual.