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I’ve followed Ramsey’s Baby Steps up to this point. Now that I’m in BS 4/5/6, should I consider a different approach?
I've followed Ramsey's Baby Steps up to this point. Now that I'm in BS 4/5/6, should I consider a different approach? I'm looking for whether there are better options toward my plan, now that my wife (45f) and I (38m) are out of debt (besides the mortgage). My plan is below, but I'm open to hearing from you all! Basic details about our situation:
Gross income is $210,000 Loan on new home is $664,000. 30 years at 7.1% and monthly mortgage is $4,473. If rates go...
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