I don’t know if I actually agree this time

It is possible to have a lower payoff date on a house versus the car depending on when you purchased the car. If you were debt free except for the house when you purchased the car, its possible. If you’re that close to have either the house of the car paid of, I don’t see anything wrong with the house being in BS2. Everything after its paid off then goes into wealth buildng-unless you have children in which I would continue with the steps, bypassing the pay off the house step.