Dave Ramsey Is Wrong About Paying Off Your House

FREE guideThe complete pay off vs. invest comparison breakdown →

Dave Ramsey says pay off your house. I say invest instead. Who's right?

In this video, I'm breaking down the REAL math behind one of the biggest personal finance debates — paying off your mortgage early vs. using that money to invest in real estate. By the end, you'll know exactly which move makes sense for YOUR situation.

🏠 What we cover:

→ Why "debt-free" feels safe but doesn't equal financial freedom

→ The actual dollar-for-dollar math: $600/month saved vs. $1,000/month earned

→ How a lease option investment stacks 4 income streams at once

→ The Passive Income First Rule — and why it changes everything

→ Exactly when paying off your house IS the right move

📊 Download the free guide — every number from this video in one place

🔑 Key numbers from this video:

• $100,000 mortgage = ~$600/month in P&I at today's rates

• Investment property cash flow target: $1,000/month positive

• 65-year national appreciation average: 4.65% (U.S. Census Bureau)

• Lease option upfront option fee: $10,000–$20,000 non-refundable

• Average American home equity: $300,000

Timestamps:

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👍 If this resonated, hit LIKE and let me know in the comments, pay off your house or invest?

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Kris Krohn is not in the business of providing personal, financial or investment advice and specifically disclaims any liability, loss or risk, which is incurred either directly or indirectly, using any of the information contained in this document. Also, Kris Krohn, this video, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. Homes and information about homes in this video (if any) are historical examples, where past performance does not predict future results. If legal advice or other expert assistance is required, the services of competent, licensed and certified professionals should be sought. In addition, Kris Krohn does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.

NO INVESTMENT, FINANCIAL, LEGAL OR TAX ADVICE

The contents of this video are for informational and educational purposes only. They should not be considered investment, financial, legal or tax advice. Kris Krohn is not licensed in the insurance or securities industries and is not in the business of selling, soliciting or negotiating the sale of any insurance contract, security or other investment vehicle.

DISCLOSURE OF FINANCIAL RELATIONSHIP

Mr. Krohn has a financial interest in MPI Insurance Services, LLC (MPI), a licensed insurance brokerage agency incorporated.

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