A Beginner’s Guide to Investing

[@ravi2305]

Amazing content that's simple to understand but very powerful. Thank you Rachel. You are carrying the baton of your dad Dave. God bless you.

[@GardeningInCanada]

Here in Canda and you guys motivated me to invest my KZbin income into pay down debt and babysteps. Thanks bunches!

[@RachelCruze]

Awesome!! Great job!

[@investingthroughanalysis3100]

Wow, congratulations!!

[@MillionaireMindsetClub]

Mutual funds and ETFs is the way to go, especially if you are new.

[@BackyardEngineer334]

What’s the simplest way to invest in mutual funds myself without having to hire a professional to do it for me???

[@MillionaireMindsetClub]

@@BackyardEngineer334 open an account with Schwab or Fidelity. They offer a many mutual funds. I have an accout with Schwab.

[@kimp7575]

Can we have more videos on investing?

[@RachelCruze]

We have more coming! 🙌 Thanks!

[@nareshmuthyala4113]

L

[@ceceyangg]

Yes. Please!!!

[@moneybee]

The best time to plant a tree was 50 years ago... the second best time is *RIGHT NOW* ! With investing it's the same way, your future self will be so proud of starting as early as you can and watching that compounding interest gain momentum 🌳 😊

[@investingthroughanalysis3100]

Love that! Learning investing can happen anytime and the benefits will show as you get more experienced. The early you begin, the more opportunities you have to learn.

[@Birdie06]

That leopard print cardigan looks so good on you, Rachel.

[@k.embers]

Rachel: “Sit down, get comfortable…” Me: ** hunched over my lunch in my office break room ** 😳

[@jasondima1411]

Thank you Rachel for talking to us about investing! My favorite part of personal finance! Compound Interest is the way to go!

[@Juan-v8s7t]

*Thanks for the feedback* *I can guide you gradually and get you started on a platform to earn*

[@Juan-v8s7t]

*+1 (9 2 8) 2 8 5 - 5 2 0 2*

[@RachelCruze]

Absolutely! You're welcome!

[@hdavis6008]

I learned a couple of things from this video! You explain things easier to understand than when Dave Ramsey explains it. 😂Thanks

[@RachelCruze]

Hahaha I'm going to tell him you said that!

[@kellypseftelis4964]

I love all your videos Rachel! This was plain and simple to understand. Thank you!

[@bertabl]

Thanks for this video. As it has been asked before already, keep making more videos about investing, please.

[@RachelCruze]

Thanks for the feedback, Berta! We've got more coming! 🙌

[@livingunashamed4869]

Index funds are better when you factor in expense ratios. Don't overcomplicate it. Invest in a total stock market index fund and call it a day.

[@jasondima1411]

YES!!!

[@carriechun6178]

Thank you for this educational video!

[@RachelCruze]

You're so welcome, Carrie! Glad you liked it!

[@lenabigonia333]

This was great, thank you!!

[@RachelCruze]

Thanks Lena! So glad you liked it!

[@jacintatate]

Hi Rachel, just wanted to say I love your show and I've learnt so much about money and investing income through watching your videos. Thanks for all you do and looking forward to a prosperous future ; )

[@averynmitchell]

I've been needing this, thank yooou!

[@joshkarren2698]

Thanks Rachel for the basics of investing. Educating people on investing is well-worth time spend. Thank you.

[@RachelCruze]

Thanks Josh! I'm so glad it helped.

[@jenniferleigh1674]

I just opened a Roth IRA and put $100. I have the automatic investing where Fidelity does it. I hope it grows if I keep adding to it

[@gregoryking4796]

It will but ensure that you are monitoring where Fidelity is investing it. Also, be patient!!!

[@mantavissims6561]

This was helpful!

[@rebeccabedell4469]

I love your sweater Rachel!!! Can you do a video on where you get your clothes / your favorite stores?

[@RachelCruze]

That's a great idea! Honestly, I love Loft and Amazon for clothes. Here are some of my favorite fashion finds on Amazon: kzbin.info/www/bejne/a3_TgGaBrqitras

[@floridanativelh568]

Superb teaching skills. Bet you’re a fantastic mom!

[@jkigei]

Very helpful. Thank you. My employer matches 6% on my 401k but it is not Roth. So I contribute 6%. After I max out my IRA should I put money in a Roth 401k or just add to the original? Thanks!

[@Ruth-AnneKlassen]

This was so clear and helpful. I live in Canada, so saving for retirement is different than in America, but this was a good starting place for me to learn more about investing in the near future.

[@judyhall8269]

Let's take another look at the 14:20 mark. Maybe I misunderstood, but the graphs in this video and everything I've read from the Ramsey Solutions site indicate to me the employer match IS part of the 15%. This one needs some more explanation. Great information overall though.

[@bescanocft]

Why is 15% the starting percentage recommended? Approximately how much % over how many years could i calculate up to to know when i can retire?

[@RachelCruze]

Hey Bo! We've found that investing 15% consistently can pay off in, like, a million-dollar way! That’s why 15% is the bar for how much to save. You can read more about the "why" behind 15% and see all the math here: www.ramseysolutions.com/retirement/why-should-i-invest-15-of-my-income-for-retirement

[@bescanocft]

@@RachelCruze yes! I'll definitely check that out. Thanks for answering my question! Cheers!

[@williamdavies6468]

The big issue I have right now is: if I do not start to invest now, I will have nothing when I retire in about 10 years. I cannot invest much because I still have debts to pay, but I want to invest something

[@DavidEVogel]

I will have nothing when I retire in about 10 years. A 10 year time horizon will be tough. Gold luck.

[@investingthroughanalysis3100]

Don't worry. Just follow the Dave Ramsey baby steps. I remember that debt had to be paid off first (step 2) before any investments could be made (step 7). Hope that helps.

[@Zetsuke4]

Nice

[@skate1]

Being someone who has learned about investing in stocks and crypto since 2015 I actually learned a few things from this video. Very straightforward easy to understand thanks Rachel

[@RachelCruze]

Awesome, thank you!

[@abrahamflores2566]

Awesome! So when is the advanced investors guide coming out? Single stocks, crypto, levereged real estate?

[@livelaughlydia5807]

I have to disagree on the wipe warmer. That was one of the best things I ever bought for my daughter. LOL

[@jeremyrosenahagen4577]

My work is small and does not have a 401k!! I max out my Roth and still have room to invest more what do I do now??

[@RachelCruze]

Hey Jeremy! I talk about what to do if you don't have a 401K option around 13:30 in the video. You'll start with a Roth IRA. Hope this helps!

[@fewinn863]

3 to 6 months emergency funds? Is that 3 to 6 months paycheck? Thank you

[@saraareed5477]

3 to 6 months emergency funds=the amount it costs you to live or what you budget each month multiplied by 3 to 6.

[@Bethmannie]

B/5

[@deborahcagle6292]

How about market date investments

[@DavidEVogel]

What is that?

[@stevenporter863]

He means target date fund.

[@DavidEVogel]

Want to buy a vehicle in 5 years with cash? A target date fund may be a good choice. As your "target" approaches, the fund manager moves you from equities to fixed-income securities. If you do not feel confident doing this yourself, let the fund do it for you.

[@elindigeno1215]

Doesn't Dave Ramsey go against investing?

[@ceceyangg]

I'm afraid to ask anyone in my life about investing... I feel like it's a topic that no one wants to share to help others... and there's people on KZbin. But is what they're sharing really true or just to pull you in for views? Like a scam? XD I trust you though! Haha

[@franriccardi8649]

Roth transition is confusing!!!!

[@jesseparker2656]

...looks at AMC stock today 😲

[@jesseparker2656]

Did this account get hacked?

[@jesseparker2656]

@@Juan-v8s7t Sure, right after I buy ocean front property in Arizona...

[@normILL]

You lost me at mutual funds maximizing returns more than index funds.