Personal finance commentator Dave Ramsey urged a 33-year-old caller to cash out his stock portfolio and put the proceeds toward his mortgage, even though he holds a low 2.875% rate. The Boston-based caller, Nick, explained that he and his wife are raising an 18-month-old with another child on the way. The couple has $30,000 in emergency savings, $100,000 in a high-yield money market account, and $150,000 invested in stocks. He recommended trimming the emergency fund to $30,000 and using the remaining $250,000 to pay down the mortgage. "If I woke up in your shoes, I would put $250,000 down on that house and have a $30,000 emergency fund by the end of the day."