True. There are people who cannot handle their money without very strict rules and they get tangled easily and are addicted to debt. Those people are who he is talking to. The next guy in my door might be a surgeon who only has debt on his house and it might be stupid to pay off a 4 percent note when it's tax deductible and he could make 12 percent in his mutual fund with that money, etc. There's a reason we have to fill out suitability forms. The plan has to fit that one individual or its a no go
