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Today's Ramsey at Network app question is from Mason.

And he asks, I would like a reasonable explanation on why you only recommend a 15-year mortgage.

Why shouldn't I take a 30-year-out and dump extra cash into an ETF earning 10 to 12 percent?

And at the end of 30 years, I'd leverage my house and pay it off, also have around $700,000 to spend from my investments.

Mason, you're smarter than us.

You got us. You got us on this one.

Yeah, I hadn't thought of that before.

Yeah, where to go, man.

Wow, we'll just change our whole policy.

No, so Mason, the biggest goal when it comes to your money, of the well not the biggest one of them starting out

is to become debt free as soon as possible and so for a lot of people this journey of even paying

their house off which is obviously the largest asset most people have it's going to take around nine

years and so there is a psychological change that occurs when you know here is my payment.

And even though my intentions are good on a 30 year to either pay it like it's a 15, put what would have been on the mortgage, but now I can invest that money instead. You know, all of those

are good intentions. And what we see over and over again is that human behavior can definitely

trump what we had plans. And things come up, life happens. And if you think over, you know, 10, 15,

20 years, 30 years, there's a lot of life to happen. So the probability that you would actually

do this, right, and do it every single month consistently is probably pretty low,

considering the, we're talking about 30 years, 30 years. So the idea of doing the 15, I mean,

it's just, there's, mathematically, it's faster.

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