Dave Ramsey is no personal money management expert, or financial expert at all. He's an Ann Landers type, making money off those who know even less about finances. I remember him in the late 90's saying mutual funds would return an average of 15%. The Dow Jones isn't back to the level it was in 2008. He didn't know anything then and he's still in the dark. A 5 Yr. time horizon for mutual funds is far too short and if you listen to him you'll find yourself with about half of what you've invested in 5 yrs.