By eliminating the separate, "service fee" line item at guest checkout, the "all-in" pricing model aligns better with modern travelers and hotels.I personally believe this helps everyone in our industry attract more guest demand.Guests see the final price up front, reducing the "sticker shock" that often leads to cart abandonment.

Dave Ramsey advice is for the masses who cannot manage to constrain spending to their budget and accumulate large debt.  

Being debt free and having capital saved puts you in a solid spot. 

I've purchased my own home without a mortgage and I own all of my vehicles with no debt.

I bought it at roughly market value for the long-term debt and strong area fundamentals.At this stage of the amortization schedule, the loan is paying down around $11.5K in principal each year.

@Carlos Lopes the short answer...buy more.You are very well-leveraged with GOOD debt, not bad debt. 

Proof, what nations have the lowest debt to GDP? 

I’ll offer a different angle that often gets overlooked: the financing structure.One big distinction in multifamily is the role of agency debt.

In contrast, if the property is passed to heirs, the heirs generally receive a step-up in basis to the property’s fair market value at the date of death, effectively eliminating prior depreciation and minimizing potential recapture.

Sounds like you’ve already built a strong foundation in multifamily and have a unique edge with your commercial debt background.