Thinking about buying a home? Dave Ramsey says go for a 15-year mortgage to save big on interest and own your place faster. But with sky-high prices and rates, critics say this plan can leave first-time buyers out in the cold—or stuck with tiny homes. The real hack? Some folks grab a 30-year loan for lower payments, then make extra payments when they can. That way, you build equity without being house-poor. Flexibility is the new money move! #RealEstate #MoneyLifehacks #HomeBuying