"If the only way you analyze your money situations on personal finance is through mathematics, you'll miss stuff because personal finance is not just finance, it's also personal. So, what are the unintended consequences of having a loan on your home? What is the different stress level around your shoulder blades from that? What's the different pull on your marriage and your relationships from that? To say nothing would be absurd because we know that's not true" Dave Ramsey
