D.O. takes a thoughtful look at the math and assumptions behind some of Dave Ramsey's most well-known rules of thumb around buying a house. While Ramsey has undoubtedly helped millions gain control of their finances, parts of his housing guidance rely on now-outdated economic factors that many listeners may not be aware of.

By breaking down the numbers in detail, our goal is to start a reasonable debate on how Ramsey's widely adopted recommendations hold up in our ever-changing market. We discuss how everything from home prices to interest rates challenge rules like the 25% down payment mandate, and explore alternatives for those struggling to save enough under Ramsey's framework.

Regardless of where you stand, we welcome a civil discussion around what everyday Americans truly face on the path to homeownership. Our hope is that this episode spurs an updated and inclusive money dialogue rather than soapbox speeches, acknowledging the nuances people see today that Ramsey's blanket formulas often miss.

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