We recommend that you first reach out to your SmartVestor Pro to have a clarifying conversation in which you bring up your concerns and your questions. You can absolutely ask for a more in-depth explanation about exactly why the recommendation was made.
Our advice and Ramsey's investment philosophy are meant to serve the general public well. However, individual financial circumstances can be so unique that Pros may offer advice for a specific reason. We find that it is never a bad idea to ask more questions and seek further understanding!
If you are still unsure, continue interviewing SmartVestor Pros until you find someone you connect with best. The interview process is meant to educate folks who are new to the investing world and to inform folks who are already familiar. It's an excellent way to compare and contrast advice from various Pros as well.
If you continue to have questions, please reach out to let us know. We would be happy to serve you!