
In a corner of the internet where paying off a mortgage early earns you digital applause and a fully funded emergency fund gets you sainthood, one comment landed like a splash of cold water.
Buried in a Reddit thread titled "Went thru all Dave Ramsey steps and still don't feel happy with life and funds. Am I doing it wrong?"—a response from a 42-year-old claiming a net worth of $20 million cut straight through the praise for financial peace.