Debt is an amazing tool. I know that Dave Ramsey helps a lot of people. But I do not agree on his stance on debt or real estate. Real estate can be an amazing investment paired with debt used the right way. I also don't agree with good and bad debt argmuments. I think there is good and bad debt, but it does not matter what the debt is against, but what the terms of the debt are and what it is used for. I have a loan on my Lambo, which seems like bad debt to many. But I make so much more money with that debt than the 4 percent interest rate on the loan.