When it comes to mortgages, being able to afford them doesn’t just mean paying them off early — but also what you can pay monthly and still live comfortably and save for your future financial security. A key takeaway from Ramsey’s stance on not paying off your mortgage too early lies in the importance of liquidity and financial flexibility. The bottom line is that Dave Ramsey’s stance on not paying off your mortgage early emphasizes the potential benefits of leveraging investments, maintaining liquidity and diversifying risk.