Black Friday deals often present themselves as the best discounts of the year, but in reality, many items are priced similarly or even lower during other sales.
Dave Ramsey says he "wants you to pay off your mortgage as bad as anyone in the United States" - but not like this
"Simply put, Ramsey is strongly against cashing out IRA funds, which would subject him to a 10% penalty plus taxes at his regular income rate... That's a lot of money going to taxes and fees."