<prompt> Human: Lets say you have 100K cash. You have the option of investing and averaging 5-10 return or paying off mortgage at 3 interest rate. To me it seems to be a no brainer to invest the money. But Dave Ramsey seems to advocate for being debt free first. Is he right?  <response>: Investing is a riskier but also potentially more rewarding option.It just depends on your risk tolerance.Personally I wouldnt pay off 3 interest debt especially if its tax deductible. But Im also not very risk averse and I like to minmax.That said, Dave Ramseys typical audience e.g. Im Xk in credit card debt is not particularly financially savvy, and I might not trust them to properly manage money, so paying off debt is a more prudent choice albeit potentially less rewarding. 