Which strategy is best? I think it depends... Just like with a lot of things.

I lean more towards a Stephan Graham style. But not as extreme. And def not like Ramsey.

Dave Ramsey advice is great for those who are working jobs that are more limited with income (Under $80K and are more risk averse). But if you aren't risk averse I think the Graham way is better.

Why?

Wealth is built by investing. Not savings. Savings can only do so much... I mean what's the craziest savings account you've found? 2% and that would be amazing

$1,000,00 x .02

• 5 years
• 10
• 30

Yeah not a whole lot.

Take this versus investments

• Real Estate
• Stocks