Corey is nearing Baby Step Seven with only $27,000 left on his current mortgage but is considering a new home with a $350-$375,000 mortgage. Despite the increase, his $300,000 household income and desire to cut commute time make it financially feasible within Ramsey's 25% take-home pay rule for a 15-year fixed mortgage, though it requires a significant psychological shift from being nearly debt-free.
Impact: Medium. This scenario explores the tension between achieving complete debt freedom and making practical life improvements, like reducing commute times, when financially capable of managing a larger mortgage.
In the source video, this keypoint occurs from 01:46:56 to 01:52:46.
Sources in support: Rachel Cruze (Host), Jade Warshaw (Host)

