I have seen sometimes that he has to tread carefully when answering these type of questions because people will take it as a statement instead of an answer to a specific scenario.
and I like to discuss overall rules and details to his method. If you want to breakdown a specific situation we can have an open discussion here.
In regard to whole life I have yet to find why a good funded one makes sense. but I'm here and ready to listen if you can share specific numbers to prove how it makes sense.
I honestly haven't studied his rules, am just responding to what gets reported here.
Since you responded to my post of the 15 vs 30 year mortgage, I will respond to that one. While there is a slight interest rate difference between a 15yr and a 30yr mortgage, the biggest difference is in the required cash flow. A 15 year mortgage will require a person to convert more cash into equity in their home. While a 30 year mortgage will have a smaller required payment. If a person were to take a 30 year mortgage, they could usually still make the same payments that a 15 year mortgage would require, and pay off the mortgage early (though it would take a little longer than 15 years due to the slightly higher interest rate), but they would have the flexibility to fall back onto a lower payment if their cash flow falls short, or if they had an opportunity to put that cash to better use than earning the equivalent of the interest rate on their mortgage.
I don't think this is the appropriate place for me to show you specifics of what a well funded Whole Life can do for you (or for others), I would gladly take that conversation privately.