Investing Like a Millionaire | Dave Ramsey's Greatest Hits

[@Hannahbenowitz]

I admire the financial independence of people, But you can live better if you work a little more. After watching this I think there are people out there, on the extreme, who plan to die early just to be able to retire early. To each their own but to me retirement isn't just about not having to work, it's about having the freedom to do whatever you might reasonably want, such as travel, buying things, enjoying life, etc. I don't think I could retire with less than $3m in income-generating investments, maybe $2m at the very minimum. I plan to work until I'm at least 45.

[@bartlyAD]

Nobody knows anything, you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving

[@PennyBergeron-os4ch]

You're absolutely right. Many investors overestimate the difficulty of staying invested during market downturns. I often remind myself of Fidelity's study, which showed that the best-performing portfolios were those of investors who simply held on to their investments. With the guidance of my financial advisor, I've focused on selecting assets with both short-term and long-term potential. This strategy has proven successful for my portfolio so far.

[@HildaBennet]

Who’s the person guiding you?

[@PennyBergeron-os4ch]

Her name is “Sonya Lee Mitchell” can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@HildaBennet]

I just checked her out and I have sent her an email. I hope she gets back to me soon.

[@Bridget-l7p]

Diversification is the secret to optimal performance. This is why I have my interests set on market sectors based on performance and projected growth, such as stock, EV sector, renewable energy, Tech, and Health. Keep investing regularly and you'll be blown away how much it can change in a few short years. Here's to $1 million and to FIRE

[@Bako-b8j]

The strategies are tough for the everyday person. They are mainly executed successfully by professionals who have a considerable amount of skill and knowledge to execute such trades.

[@DavidLucas-so8rr]

A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k....

[@RobertBrown..]

How can I engage in this? I truly want to have a stable financial future and am willing to contribute. Who is fueling your success?

[@DavidLucas-so8rr]

'Laurelyn Gross Pohlmeier' a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@SarahTaylor_]

I just Googled her name and her website came up right away. It looks interesting so far. I sent her an email and i hope she responds soon. Thanks

[@DennisJack-km8ho]

It's impossible for someone to become wealthy suddenly. A valuable lesson I've picked up from billionaires is to always invest in a diverse range of securities and to put in background effort, even if we usually just see the final product. I intend to profit from the approximately $200k that I want to put in stocks this year.

[@CrystalJoy-32]

It may be a good idea to speak with a financial advisor who can help you develop a portfolio based on your individual goals and risk tolerance.

[@LuvmeRos]

Having an investment advisor is the best way to go about the stock market right now. I was going solo, but it wasn't working. I’ve been in touch with an advisor for a while now, and just last year, I made over 80% capital growth minus dividends.

[@FrankPatrick-no8zo]

I've been considering but haven't been proactive. Can you recommend your advisor? Could really use some assistance.

[@LuvmeRos]

Amber Michelle Smith has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.

[@albacus2400BC]

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

[@tahirisaid2693]

Fear is a dangerous component, hindering us from taking the bold steps we need in other to reach our goals. Nobody can become financially successful overnight. They put in background work but we tend to see the finished part.

[@georgestone0123]

I think it's not always about fear, Sometimes realistic factors discourage people from reaching their goals in life. For instance, I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value

[@georgestone0123]

Oh, that sounds good. So, who is this person and how do I reach out?

[@georgestone0123]

I looked up her full name online and found her page. I emailed and made an appointment to talk with her; hopefully, she gets back to me.

[@AnnBurrow-vb8tt]

A wise saying about investing according to my Friend who is a CFA is to be Patient and Think Long-Term. She said, “The stock market is a device to transfer money from the impatient to the patient.”

[@BEAUTIFULDIANAFRANCIS]

You are right! A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $110k and in the first 2 months , my portfolio was reading $294,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over 8 years we have been working together making consistent profit with good relationship understanding.

[@LeslieWagenheim]

I own some shitcoins and I would like to switch those to nvidia stocks. Ofcourse the price is crazy booming right now, didn't dared to buy the stock when it was sub 6/700.Since split is incoming, I've seen news all over the internet right now. Could this be one of the last trains to hop on for Nvidia? And investing, I mean longterm investing. Few years atleast.I know no one can predict the market, so I'm mostly curious about your thoughts on my take.

[@BEAUTIFULDIANAFRANCIS]

Focus on two key objectives. Learn when to sell stocks to minimize losses and maximize gains to start protecting yourself. Second, prepare to make money when the market turns around. I advise speaking with a broker or financial counselor.

[@AnnBurrow-vb8tt]

Experts say it makes sense to hire a financial advisor in the following circumstances: You don't have the time or inclination to manage your finances. You experience a major life event, such as a marriage, divorce, loss of a spouse, birth of a child, relocation, or change in your employment status.

[@BEAUTIFULDIANAFRANCIS]

Cynthia McClure Alexander is the licensed fiduciary I use for guidance. I do not think self-investing is worth it from my experience. Some may have no account minimums and charge annual management fees of less than 0.5% per amount managed. Self-directed investment accounts have the lowest costs and give you the most freedom, but the risks are higher. A safer choice is to hire a financial advisor and let them guide your investment strategy.

[@caseybills5517]

I' ve got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month. Which ETF would you recommend.?

[@cowell621]

As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor. They’ll give you guide on high risk and low risk investment strategies for your portfolio

[@StacieBMui]

Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 275 cash earning 5.25 interest, 685k in 401k, 120k cash account, 80k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed shortly.

[@JamesLongman-v5r]

I really want to get in with a financial advisor this year, especially as all markets are hitting highs. I don't want to be too optimistic and end up losing everything.

[@StacieBMui]

Rebecca Nassar Dunne has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.

[@VictorBiggerstaff]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.

[@kortyEdna825]

I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.

[@KaurKhangura]

Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k

[@Justinmeyer1000]

You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.

[@brucemichelle5689.]

I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

[@Justinmeyer1000]

I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.

[@brucemichelle5689.]

Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info

[@Maverick7642]

Overall, 51% of investors still think it's a good time to invest in stocks, mutual funds, and other equity-based investments, despite Treasury yields and other safer cash-like investments paying big. I’m thinking of investing $400k into my stock portfolio but unsure about what equities to get into.

[@Scarlett34568]

That's up noticeably from 41% in the second quarter again, despite shaky-looking markets in August.

[@Christian67337]

I stopped listening and taking financial advise from these KZbinrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, In reality, all I needed was professional advice to take advantage and make profits.

[@Alden457]

talking about coaching, do u consider anyone worthy for recommendations? I have about 80k to taste the waters now that large cap stocks are at a discount... thanks

[@Christian67337]

I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Aileen Gertrude Tippy' turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.

[@Alden457]

I just checked her out on google and I have sent her an email. I hope she gets back to me soon.

[@FrankPatrick-no8zo]

I'm convinced that investing 50k-100k in the right company before it goes big is more important than saving for retirement. However, picking the right company is so hard. I have around 200k in a HYSA and want to invest it. What are the best opportunities now?

[@CrystalJoy-32]

I believe investors should start with S&P 500/ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.

[@LuvmeRos]

The issue is most people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt, no offense. In general, Financial Consultants are ideal reps for investing jobs, and at firsthand encounter, since Jan.2020, amidst covid outbreak, my portfolio has yielded massively in ROI, summing up to 7-figures as of today.

[@jose2212-]

I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

[@LuvmeRos]

I've stuck with the popularly ‘’Monica Shawn Marti” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, I agree with her.

[@RuthEvelyn-rc3bg]

I really appreciate your useful advice. I was able to set up a call with her and confirm her identity. She seems incredibly knowledgeable, and I hope I'm able to connect with her.

[@JenniferDavis7630]

As a fervent investor, I frequently ponder the methods and routes through which successful investors accumulate fortunes in the millions. Despite having a significant starting capital, I'm unsure about the precise strategies or channels that would lead to gains surpassing $400k, akin to those achieved by others recently.

[@danieltaylor--65]

The strategies are rigorous for the regular person. In fact, they are primarily executed successfully by professionals who possess a great deal of expertise and knowledge to carry out such trades effectively.

[@RobertBrown..]

Some individuals minimize the importance of counsel until they make regrettable mistakes. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.

[@SarahTaylor_]

That makes a lot of sense; unlike us, you appear to have the market figured out. Who is the coach?

[@RobertBrown..]

Actually its a Lady. Yes my go to person is a "Kenna Muriel Hesseling". So easy and compassionate Lady. You should take a look at her work.

[@EthanBrown_23]

I conducted an online search for her complete name and located her page. Subsequently, I reached out via email to schedule a meeting for a discussion; I am now awaiting her response.

[@Raymondcraw1967RaymondCrawley]

I have been a dividend focused investor for a long time. This does not mean I don't own growth stocks, I do. A well rounded portfolio should be a mixture of both categories. One way to minimize the anxiety out of stock market investing, is to make sure you keep a large cash cushion. I invest in the market, but never put all my money in market.

[@FaithAndrada-xo9ou]

I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.

[@williamyejun8508]

The issue is most people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt, no offense. In general, Financial Consultants are ideal reps for investing jobs, and at firsthand encounter, since Jan.2020, amidst covid outbreak, my portfolio has yielded massively in ROI, summing up to 7-figures as of today.

[@chris-pj7rk]

This is definitely considerable! think you could suggest any professional/advlsors i can get on the phone with? i'm in dire need of proper portfollo allocation

[@williamyejun8508]

Her name is 'Amy Desiree Irish’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@chris-pj7rk]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@Armstrong741]

I want to begin investing but require some help. I want to spread my $125,000 across various markets for better diversification. Do you have any advice or suggestions for assistance?

[@BenTodd-fl8nv]

It's wise to seek expert assistance when beginning your financial portfolio. It's intricate, so professional guidance is so important..

[@EverlyndPerez]

By investing in high-dividend stocks, ETFs, and equity, I made a net profit of about $115k. It's been a successful venture!! thanks to my CFA for guiding me through my investment journey.

[@Debbie.Burton]

This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far

[@judynewsom1902]

Hey friend, How can I work with your Fiduciary?

[@Debbie.Burton]

*Marissa Lynn Babula* is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@philipfletch]

you don't need a high IQ to be a good investor, just 2 qualities, self discipline and a lot of patience. Investing is mostly about behavioral psychology. How can I generate more income to retire with at least $3m for long term care?

[@RoseGuerra7862]

We share common goal, making sure you are ready for your later years is very important. That's why passive investing works, low costs, better diversification and it enables people to overcome their behavioural bias especially if they engage professional help.

[@martinheaway]

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $30k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

[@JaneClark7861]

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help

[@martinheaway]

'Amy Desiree Irish' is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment

[@JaneClark7861]

Thanks, i did a quick web search and i found Amy, i hope she responds to my mail.

[@AliceAnderson-in1et]

I realized that the secret to making a million is saving for a better investment. I always tell myself you don't need that new Maserati or that vacation just yet. That mindset helped me make more money investing. For example last year I invested 30k in crypto and made about $246k, but guess what? I put it all back and traded again and now I am rounding up close to a million.

[@dulcehahn12]

How can one start,most times people don't know where to start when it comes to crypto. But it would be great if you can provide proper guidance on steps to follow please

[@AliceAnderson-in1et]

As a beginner investor, it’s essential for you to have a mentor to keep you accountable. Myself, I’m guided by Alex Gomez. A widely known crypto consultant

[@dulcehahn12]

Please how can I get in touch with this Alex Gomez ? I really need to give him a try

[@AliceAnderson-in1et]

This is he’s telegrams user name

[@AliceAnderson-in1et]

@AlexRcoin THAT IS THE USER NAME THAT IS HIS USER NAME

[@sarapalin]

Unfortunately, not all of us were financially literate early, I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but l'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling! Thanks Brooke Miller.

[@ZahirFriedman]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@GrozaGroza-ko7fn]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@GertonTootle]

I'm surprised that you just mentioned and recommended Brooke Miller, I met her at a conference in 2018 and we have been working together ever since.

[@SammieOlin]

I'm new at this, please how can I reach her?

[@Arlingtongeorge]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@NicholasBall130]

Interesting video I'm in my 50s and I'm more interested in investments that could set me up for retirement , I mean I've heard of people that netted hundreds of thousands during these crash, I listened to someone on a podcast who earned over $650K in less than a year, what's the strategy behind such returns?

[@Wellerpage]

You're not doing anything wrong, you just don't have the required skillset to profit off a down market, folks that are making profit in this market are pros and experts with in-depth knowledge and skillset.

[@RafuqueAhmed117]

A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@StocksWolf752]

How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.

[@RafuqueAhmed117]

Sonya Lee Mitchell is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@lolitashaniel2342]

I searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you

[@carlsullivan11]

My mother listened to Dave on the radio while I was growing up, now I listen and have followed the same financial footsteps

[@miawoodland1556]

I'VE BEEN TRYING TO FIND HIM ON THE RADIO - WHAT STATION IS HE ON??

[@GraceOliviaf7y]

The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?

[@AgnesHarperq3x]

In particular, amid inflation, investors should exercise caution when it comes to their exposure and new purchases. It is only feasible to get such high yields during a recession with the guidance of a qualified specialist or reliable counsel.

[@TeddyAlexanderv6]

True, initially I wasn't quite impressed with my gains, opposed to my previous performances, I was doing so badly, figured I needed to diverssify into better assets, I touched base with a portfolio-advisor and that same year, I pulled a net gain of 550k...that's like 7times more than I average on my own.

[@NikolasMartine01]

This aligns perfectly with my desire to organize my finances prior to retirement. Could you provide me with access to your advisor?

[@TeddyAlexanderv6]

My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.

[@NikolasMartine01]

I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you

[@IsabelConchita]

Amazing content! I have been following your videos for sometime now, consistently kicking down Wall Street doors for two years now, I have over $320k in stocks. Currently, my portfolio is down by 15%. Wondering if they're any short term opportunities I can invest in.

[@EricCarrasco-g8h]

I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience.

[@PierreBailey3]

I stopped listening and taking financial advise from these KZbinrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@GrandtHudson1]

Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?

[@PierreBailey3]

Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@MichelleAlbrighton]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@Lamarche1959]

We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I have about $89k now to put in the market.

[@E.GCreates]

Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. I know someone who made over $350k in this recession influenced market, but to the best of my knowledge, it was through a financial advisor.

[@KathHarnell]

Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2019, and I return at least $21k ROI, and this does not include capital gain.

[@phyllisburtonhearsawho]

Would you mind telling me how to contact this specific coach using their service? You seem to have the solution, as opposed to the rest of us.

[@travishada7482]

These are good Fidelity mutual funds to look into. FGRIX, FMAGX, FBGRX, and FPURX. Buy these and you will have a great portfolio

[@HarryBishopm]

I’m new to all this, heard it's a good time to buy and basically I've just got $200k sitting duck in the bank and I’d really love to put it to good use seeing how stocks is at an all time-high.

[@Shaine-d5t]

The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner.

[@Arleth-q1c]

Partnering with a financial advisor has transformed my approach to investing. Their expertise and personalized guidance have not only helped me navigate complex financial markets but also optimized my portfolio to achieve my long-term goals efficiently.

[@Pickerell]

pls how can I reach this expert, I need someone to help me manage my portfolio

[@Arleth-q1c]

*Victoria Louisa Saylor* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@AlyceJefferies]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@Ouro44]

Hearing dave talk about 1% and 5% fees in 2024 is wild. How far we've come in a tech and computer-based investing environment. The 0% fee trading platforms came in and really shook up the fee structure these past 5 years

[@amireallythatgrumpy6508]

Most of these are clips from the 2010s though.

[@Ouro44]

@@amireallythatgrumpy6508 ya and the fee structure was relatively unchanged until 2018/2019. Nowadays, plain investing in the S&P 500 for more than 0.05% (read, a $5 annual fee for every $10,000 invested) is considered expensive.

[@huskiefan06]

S&P index funds all the way. The problem with active funds is that there is survivorship bias. In other words, the only funds that survive are the ones who had the best past returns. However, once people find out about these funds, they buy them, and drive down future returns for these funds. All the while you’re spending much more in maintenance fees vs an S&P index fund.

[@MikeNapoli1989]

I love the S&P 500 index fund.

[@sergiotostado8438]

But didn’t you hear? It’s easy to beat the market, apparently! Just do that! 😂

[@huskiefan06]

@@sergiotostado8438 100% So easy! 😂😂

[@timmytempleton2488]

International is a waste of time.

[@huskiefan06]

@TS-dv3qv As long as you’re debt free, I still think it’s a great idea. Owning real estate investments may give you a bit higher return, but it can be a huge headache. However, you can make much more by starting a business with that money though.

[@Benedictrud]

About time ,Dave. I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.

[@Adambarking]

well as you know bigger risk, bigger results, but such impeccable high-value trades are often carried out by pros.

[@GaryNicka]

People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.

[@kurtKking]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.

[@kurtKking]

Thanks for the tip.

[@Mark-uk3ev]

I have been using high interest saving accounts for over 20 years and like the save 4.5 to 5% .. until the resent increase in inflation it was working well

[@peterm5555]

17:17 and on. I think this part is the most important. Live for yourself, not to impress others. 'The valet is seldom impressed... until he gets the tip...' Be humble and down to earth and generous like you have millions.

[@scottthomas8171]

Agree but I do feel that having a nice car is viewed as a sin by Dave. I started my first companies for my love of cars and no way to afford them. I worked to buy what I wanted. Not to impress but to enjoy. I just don't feel that Dave accepts that reality, he only sees "fairly expensive car = bad".

[@Danzilly]

Love these clips! Dave is the Dad that will knock some sense into you! His wisdom has helped me a lot his voice reminds me of my dad that I lost 12 years ago.

[@ReAl-uu8ku]

Dave, you are a breath of fresh air! Greetings from Ontario, Canada 🙌

[@michellechapman6839]

Stop acting RICH!!!! I love that statement!!

[@bennettross1]

Amazing video, you work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires, thanks Charlotte Grace Miller

[@lapetiteblonde]

I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.

[@ReuletRikki]

The very first time we tried, we invested $1400 and after a week, we received $5230. That really helped us a lot to pay up our bills.

[@ZahirFriedman]

Woah for real? I'm so excited. Charlotte Miller strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started

[@sarapalin]

I'm new at this, please how can I reach her?

[@marthasteward0]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@DudeGamer]

My mother-in-law said I could take over her time share when she dies. I ran away. My brother bought a Lincoln Navigator. My sister cashed out a portion of her 401k for a used car. I feel like a genius.

[@eileenwatt8283]

You are gem and a genius.

[@markg999]

If you have common sense these days you already doing better than most since it's so rare now.

[@emaldon7]

I just kept saving and made myself a nice homemade meal.

[@derekcox6531]

That all makes me sad

[@ReyesZaria]

Hello I wish to start investing but I don't know how to begin. Any advice or contact for help?

[@AyersMicaela]

Talking to an expert like Ethan Adams Freinburg to reshape your portfolio is a very smart move.

[@MaysBurnett]

Same here. Ethan managing my profile was my best decision. i have withdrawn over 280k since

[@NathalieValeria-s5t]

Ethan is trustworthy. in march, i started with 9k and my returns cleared out my 72k bank debt

[@BenitezJacquelyn]

Ethan possesses a keen insight on how economic insights can be leveraged for success. Certainly i willfully diversified my $42,000 portfolio across different markets.

[@ReyesZaria]

How do i connect with Ethan? I would appreciate if you show me how to go about it.

[@justinchamberlain3443]

6:10 pay a fee for mutual funds and pick them based out of their track record for rate of return; its worth it in the time you save to pay the fees

[@EmilyJustine-i]

(NYSE:ARR) is a high-yield mortgage REIT paying monthly dividends. The stock has a dividend yield of about 14%, as of August 14. If the stock has increased sharply because the business is performing exceptionally well, it could still be a bargain. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...

[@RiosSteven-t]

Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert

[@FrankAlice]

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@joanneslusher]

impressive gains! how can I get your advisor please, if you dont mind me asking? I could really use a help as of now

[@FrankAlice]

Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.

[@ChrisThomas-m6q]

Thank you for the lead, searched Elisse by her full name and at once spotted her consulting page, she seems highly professional having over 12 years of experience. amazing!

[@lawerencemiller9720]

I have been a dividend focused investor for a long time. This does not mean I don't own growth stocks, I do. A well rounded portfolio should be a mixture of both categories. One way to minimize the anxiety out of stock market investing, is to make sure you keep a large cash cushion. I invest in the market, but never put all my money in market.

[@alexyoung3126]

Dividends are dope. Personally, I sometimes use my dividends to buy other dividend and growth stocks for diversification instead of reinvesting in the same stock. To each their own methods though. The good thing is that you’re investing in the first place and that’s what’s important.

[@johnlennon232]

I agree. Based on personal experience working with an investment advisor, I currently have $1m in a well-diversified portfolio that has experienced exponential growth. It's not only about having money to invest in stocks, but you also need to be knowledgeable, persistent, and have strong hands to back it up.

[@jessicamoore3093]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.

[@johnlennon232]

She is Melissa Maureen Ward. look her up

[@jessicamoore3093]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@MsOr12]

So many scammers under financial channels claiming an advisor helped them and giving the name of the advisor. With other bot account supporting the statement. Be careful people.

[@adegboyegaogundiran8679]

Exactly! I just saw one here a minute ago!

[@Donnafrank-k6e]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@BrandonIvan-c6e]

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

[@Donnafrank-k6e]

@@BrandonIvan-c6e However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.

[@BrandonIvan-c6e]

@@Donnafrank-k6e Oh please I’d love that. Thanks!

[@Donnafrank-k6e]

@@BrandonIvan-c6e Clementina Abate Russo is her name

[@Donnafrank-k6e]

Lookup with her name on the webpage

[@bobbymainz1160]

What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.

[@alexyoung3126]

There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist

[@williamyejun8508]

I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders

[@jameswood9772]

Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

[@williamyejun8508]

My CFA ’Rachel Sarah Parrish’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@jameswood9772]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing..

[@Aurierserge50]

Just discovered your channel with this video and you make a lot of sense-- case studies are useful and I'd like to see more in the future! Creating wealth entails establishing routines, such as setting aside funds for investments. Salary is a drug, Its never enough.

[@sergeymudrik7949]

I’m a beginner, non-starter 🙈, where do I open a portfolio, where do I open an account?

[@sergeymudrik7949]

Please, help 🙈🙏😊

[@treyjames1205]

It’s fairly easy…. Remember a stock is a business. Think about the business you see in your personal life… I own shares of Hershey because they make Reese’s. I like Reese’s and I’ve worked in grocery settings, it seems like other people do too… And then you research the stock and see it’s had an almost 30% return over the last 5 years..

[@Jess-T]

I invest my SIPP (personal pension) in index funds. I choose companies or industries which are doing well or in demand, for example ASML, Nvidia and then select the index funds those companies are listed in. It's working well so far.

[@Chessdude4]

The problem is companies that are in demand now may not be in a year or in 2 years or 10 years.

[@eileenwatt8283]

​@@Chessdude4 that argument makes no sense. That's why one keep up with what's going on and switch the fund when that happens. Warren Buffet did that when GE started loosing money. He sold all the stocks and bought Apple

[@Chessdude4]

@@eileenwatt8283 makes sense, I’m sure that could work great

[@Jess-T]

@@Chessdude4 you should probably look up who ASML are 💀

[@andronickmartusheff]

Index funds are still #1

[@Neran12100]

Very interesting, but many studies have shown that active stock management underperform the stock market and then index funds on the long run. And the fees of these active managements are directly and unecessarily decreasing the yield. So as investing has to be done on the long term and as we know today that active management is unecessarily costly, why do not choose an index fund instead? This is what I am currently doing and I was a little bit surprised to hear this analysis. But that been said, I really like this channel, the tone, and the educational way you are sharing your knowledge. Thanks!

[@Tnks4cmin]

I'm mostly in cash and waiting for this market to re-level on the reality of our situation. Or are there any ways I can avoid a crunch and maximize my savings of $350k?

[@RobbStonee]

from studies, 90% of the time in an election year, the stock market stays positive for quite a long time. 2024 is no exemption, but it is better to be guided, ideally by a well experienced and licensed advisor

[@ScottStraw]

Agreed, I just use KZbin for research purposes, I run all my major investment through an investment adviser, the market is just too unstable to handle things on your own. I have consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains in close to a decade of having one

[@Marquez919]

How do I reach out to a financial advisor, my portfolio has been struggling since 2022 and I’ve been holding on by the skin of my teeth.

[@ScottStraw]

*Marissa Lynn Babula* is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment

[@livia-s6t]

I must say, she appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled a call

[@campbellhouse6569]

My cars are paid off but I'm still forking out $200 a month for car insurance. Homeowners just went up $1000 and property taxes. It's insane for anyone to get ahead!

[@mayalucia-]

Everyone has been preaching "buy now, stocks are at a discount" but I've been buying stocks since the beginning of the year and yet nothing's changed, but I've been reading articles of people still in the same market pulling off over 350k in just a couple months, what am i doing wrong?

[@RomeroCarmen-4]

Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.

[@Adrianaluca-um6ny]

How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.

[@AlvarezDanuta]

Svetlana Sarkisian Chowdhury is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@PeterParker-wj3cr]

The average investor has the propensity to be easily influenced. When you see other investors making $350k in a short period of time.(Getting rich quick) naturally that will entice you. But there is a deleterious effect with wanting to get rich quick. Once you start chasing, you will now be playing a losing game. Learn the fundamentals of investing. So that you will be able to buy undervalued stocks. If not just buy VOO or VTI monthly and hold on 4ever. Keep life simple!

[@sacredjasmine]

@SofiaDiego-congratulations! How many years did that gain take?

[@susannicky]

The BIGGEST LIE You've Been Told About Money is that it doesn't grow on TREES!! 😆

[@ibrahimaisaadan]

I agree with you!! Money actually grow on trees but only on trees that was planted by you!! These tress are referred to as investments. How you diversify your investment portfolio matters

[@bahijarhafiri]

Diversification is the key. My portfolio is well diversified with the help of a financial adviser. This helps me make more than +400% monthly on my investments.

[@BaffySchenck]

I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

[@bahijarhafiri]

I've experimented with a few over the past years, but I've stuck with ‘’Julianne Iwersen Niemann” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.

[@BaffySchenck]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@DamianBadalamenti]

Fees are definitely important Dave, regardless of how you spin it. 95% of what you say is spot on but it's a complete swing and miss when you dismiss the effects of fees on your portfolio over time.

[@butlerbees6639]

There’s funds that beat SP500 even when you factor in expense ratios. It’s not hard to figure out.

[@DamianBadalamenti]

There are plenty of funds that beat the S&P 500 and also have low fee. What's your point???​@@butlerbees6639

[@DamianBadalamenti]

@@butlerbees6639 Well I never mentioned the S&P 500, but there are a ton of ETFs that beat the s&p 500 and also have super low fees

[@jonathan6665]

​@@butlerbees6639 lets see about that in 30 years.

[@lyonk-tz8qf]

Very few. the chance you will pick one is slim and none.@@butlerbees6639

[@nataliianezhynska5119]

I dream of buying an Outback and driving it for about 15 years. And all the scratches will be like scars from battlefield - I will love each and every one of them😅

[@AnthonyJustice-i9x]

I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Brooke Miller.

[@GertonTootle]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@DebbieSimone]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@AnthonyJustice-i9x]

she's mostly on Instagrams, using the user name

[@AnthonyJustice-i9x]

FXBROOKE7 💯.. that's it

[@AnthonyJustice-i9x]

Please tell her that I reffed you 👍 She'll guide you💯

[@scottarmstrong11]

Finance and Business books have been so helpful. I’m 50 and my husband 55 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on FED for our misfortunes. Saving and investing lifestyle in the stock market made it possible for us this early, even till now we earn weekly.

[@carolpaige2]

You have done great for yourself. I understand the fact that tomorrow isn't promised to anyone, but investing today is a hard thing to do for me now because I have no idea of how and where to invest in. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.

[@MarkGrimm8]

That is so amazing, I’m trying to get onto the housing ladder at 40. I wish at 55 I will be testifying to similar success..

[@scottarmstrong11]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@MarkGrimm8]

I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.

[@YahuasDisciple]

Congrats sister . Which books ?

[@florgarlotte3020]

Do you have any suggestions of Mutual funds to buy? Need help here. Thanks.

[@ForwardMozell]

I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.

[@pedroAgondel]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@HighlightsSerieATIM]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@TaggeGust]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@ForwardMozell]

she's mostly on Instagrams, using the user name

[@ForwardMozell]

FXMILLER15 💯.. that's it

[@vyseerx]

Everyone wants to get rich quickly, and the most important and easy method is to work hard / smart to make most money ! Working 2 jobs , taking responsibility and giving quality work and doing professional work ( MD, Architect, IT, Attorney) are methods to make most money. Your money making money while you are resting is later. Once capital is there , any one can invest in real estate (roughly 10%), Mutual funds (roughly 8%). and Bank CD (4%), but it’s extremely important that one has enough capital and should have it enough early to realize the wonder of compounding.

[@LanceyRoche]

With a good investment plan that ensures steady incomes without any doubts you can prepare for a well organized retirement. I started investing in stocks 3 years ago and so far, I am making a good yield on my portfolio built on top etfs, blue chip stocks and dividends as well. Managed by my FA who helped me grow to a 7 figure portfolio. I love the passive income..

[@lidijatana7894]

Wow this is really impressive...congrats on your success

[@NamsaAlcantar]

please can i get your consultants info? or should i drop mine?

[@LanceyRoche]

@@NamsaAlcantar she is Dianne Sarah Olson by name. please do your own research to see if she is suitable with your goals.

[@simonomilan]

@@LanceyRoche did a quick search and found her webpage. I must say her resume is pretty impressive.. will be writing her too

[@DsHomeyGarden]

I hope to get a response from this post. I only have a mortgage of $160,000 and at 978. 00 and no other bills except my utilities. I have $15,000 in regular savings account at my bank. Where would I start? I'm 68 years old, 1700 monthly Social Security a I work full time and earn and earn 2500 a month after . My total expenditures are about 3,000 a month. Where can I begin to save...thanks..Dwayne in Georgia.

[@waltlivernois6241]

i love the Chanel wish i had started sooner but i will double the money the right way for 12 yrs

[@EricMoore790]

Dave is the show!

[@EmmettDeclan.]

I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Elizabeth Wesley.

[@GaryBingman]

She is my family's personal Broker and also a personal Broker to many families In the United states, she is a licensed broker and a FINRA AGENT in the United States.

[@RaymondMcCarthy21]

Really you people know her? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading

[@EmmettDeclan.]

she's mostly on Telegrams, with the user name.

[@EmmettDeclan.]

Wesley215 💯

[@EmmettDeclan.]

Remember to refer her after working with her

[@joeconnolly4353]

Try ketogenic diet. First cut carbs to start fat burning. When you've lost the weight try to increase fat intake. No seed/vegetable oil. My problem is 53 divorced lost home supporting kids through university. Struggling financially and emotionally. Ireland. Kids in Spain. 23yo/25yo

[@jollama]

No your problem is talking about diets in a finance video comments section

[@michaelcarter266]

In the older clips you see him say to use mutual funds to beat the S&P 500. In more recent shows he uses the S&P 500 funds as examples of what to invest in for retirement.

[@lenak1438]

I have a question. He said investing in a growth stock mutual fund starting at age 30 till 70 you'll wind up having $5 million but what in the world is a 70 year old going to do with $5 million dollars. That $ would be for that person's kids and or grandkids not themselves. What's the fun in that?

[@29Geckos]

Are load funds monthly investments? Is there a 5.75 fee every time?

[@lepoj]

The *vast* majority of actively managed funds don't outperform the market but Dave doesn't talk about that

[@ia6980]

So many spam bots in comment section, just wow. Ramseys team should clean up some of these comments

[@rectoplasmic4630]

Fr, it’s dangerous af

[@AnimationCPU-y2k24]

I guess Dave has a lot better financial advisor than I had. I say had because he doesn't manage my portfolio now, so i don't pay him $250 per month to manage the portfolio, and my portfolio actually increases in value now.

[@RRalphy96]

Great content Dave. Thanx man!

[@MarcelWilson200]

Wow, it's crazy how some people can become multimillionaires by investing just $10K in Crypto within a few months, while others have to work for 40 years to reach $1M in retirement savings. Do your best to connect with the right people and you will surely see changes.

[@MarcelWilson200]

As a beginner investor, it’s essential for you to have a mentor to keep you accountable. Antonio Alex is my trade analyst, he has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.

[@Willswinton4]

Really you people know Antonio Alex? I was even thinking that I'm the only one he has helped walk through the fears and falls of trading.

[@MarcelWilson200]

@proAntonioDaily THAT IS HIS USER NAME

[@MarcelWilson200]

he's mostly on Telegrams, using the user.

[@terryyost68]

He deserves more accolades, just the same way I was going through comments and i saw this, I gave a try and I never regretted it.

[@jaredgould2426]

Dave Ramsey has not once, not ever revealed the mutual funds he invest in. Why? If he would just simply tell me the name of the fund, I would buy the funds he’s talking about.

[@James-zy5lh]

The Money Guy show did an analysis of this a month or so ago and was picking the top performers from the 4 mutual fund buckets that Dave recommends. Without saying the quiet part out loud, it seemed like the supposed funds Dave recommends to hit this rate of return don’t exist and you’d be better off investing in low cost index funds.

[@sixxgunz3774]

if he did and they failes you then hes at fault for misguiding you. its your job to research what and where to invest.

[@jaredgould2426]

That's upsetting. I've been invested in the S&P 500 index, and that seems like the safest bet. If these funds don't exist, that explains why Dave does not name them directly. @@James-zy5lh

[@Fred2-123]

@@sixxgunz3774 If he did, people would analyze those funds and tear them apart. And reveal that Dave is totally wrong and perhaps lying.

[@jaredgould2426]

@@sixxgunz3774 🙄 I haven't thought of that before.

[@AB-wy7dr]

I’ve listened to hundreds of hours of Ramsey and have come to consider him one of the greatest influences I’ve found in terms of budgeting and getting/staying out of debt. However as it relates to his investing advice, I don’t consider him an influence. Take statements like “fees don’t keep you from getting wealthy” when talking about mutual fund investing. This is patently false (not gonna argue why here - it’s math) and is a facetious and dangerous statement for the average person to hear. I know Dave would tell me “I’m an idiot” because he’s rich, and that’s great, but it doesn’t make me wrong. Anyways, follow Dave for what he’s good at which is motivating you to be responsible with money, live below your means and save. Most of his investment advice isn’t going to hurt you (though statements like the above will) but there are better sources out there to educate yourself on what your investment strategies should be.

[@Thanatossssx]

I guess the reason he says the fees stuff is because his investments are really really long term? Idk ive just started listening to him.

[@AB-wy7dr]

@@Thanatossssx it’s the long-term nature that makes the fees hurt the most. Fees kill your compound interest over time when each year, a portion of your earnings are deducted due to fees. Just google something like “401k growth with 2% fees vs. no fees” and see the difference.

[@shaunsmith3625]

I find that hard to believe a international mutual fund outperforms a s&p 500

[@garethbrown4798]

First impressions ever lasting....fake it untill youve made it.....

[@acrobizer1238]

Dave sidesteps fees in active funds more than likely for the fact he gets a legal kickback form the Smart Vestor folks which is extremely more profitable than his own personal 401k. Therefore his net worth grows in his business which makes him a smart shrewd businessman. The average investor is better off in index funds, continually investing and don’t touch it until retirement.

[@robh1961]

So the average person is better off investing in index funds versus investing in active funds? Is that what you're saying? Is a mutual fund and an index fund the same thing?

[@AnjaliMukherjee-be9zn]

The key word is 'index'. You can have index mutual funds and index exchange traded funds (ETFs). I am invested in a Vanguard index mutual fund. Blue chip companies only, over 1000 companies, growth fund. But I would stick to an index fund only with high returns over the long term.

[@andrewkemp_]

Dave’s advice is great for people who don’t know how to invest. Not everyone has the ability to learn how to invest and setup an account online. But the rest of us it’s etf all the way

[@andronickmartusheff]

The Millionaire Teacher Book. For $15 you can learn the basics of index fund investing and realize why mutual funds are to the benefit of the middle men. Financial Advisors and Realtors fall in the same bucket for me, they produce nothing and are the cancer of their respective industries 👍🏻

[@JJ-jn7ei]

Yes, love ETFS-easier to buy & sell obviously

[@FurryHippoFinance]

Put 20% of your income into solid growth ETFs and let it run 20 years… over a million already ❤

[@RyanChaseMc]

Love Ramsey but the only thing I can’t get past is what he just said. At 70 you will have 5 mil. So I got maybe a year left and I’ll finally be a millionaire. My entire life couldn’t do anything and when I could It’s already over.

[@TalesOfTrillions]

The financial industry may focus on investing, but getting out of debt first is the real game-changer. 💪

[@Miggy2222]

Which mutual funds out beat the market?

[@genzlegacy7988]

Fncmx, fspgx, fsptx ;)

[@jollama]

He’d be out of a job if he revealed that

[@jameswood9772]

I agree that many people are considering NVDA as the "Stock of the year." However, I'm curious about which stocks could potentially become the next META in terms of growth over the next decade. I've allocated $200k for investment, aiming to retire comfortably.

[@alexyoung3126]

I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective consider financial advisory for informed buying and selling decisions.

[@bobbymainz1160]

I wholeheartedly concur; I'm 60 years old, just retired, and have about $1,250,000 in non-retirement assets. Compared to the whole value of my portfolio during the last three years, I have no debt and a very little amount of money in retirement accounts. To be completely honest, the information provided by invt-advisors can only be ignored but not neglected. Simply undertake research to choose a trustworthy one.

[@chris-pj7rk]

Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?

[@bobbymainz1160]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with *‘’Melissa Maureen Ward”* for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@chris-pj7rk]

Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.

[@ib3928]

Thank you, very Clear. Greetings from The Netherlands

[@rebeccalentoor6041]

Greetings from South Africa.

[@WhatWeDoChannel]

I sure agree with all this! The only place where I differ is we have always driven nice sensible Chrysler products, RAM!

[@alan_davis]

Fees destroy compund interest. No one mutual fund has consistently outperformed the S&P 500 over long durations. Mutual funds are the financial equivalent of a car lease... putting money in someone elses pocket, not yours.

[@garryparnell7727]

Would you split between the 4 mutual funds equally or put more percentage into a large cap than small cap for example 🤔

[@OlgaChavez-f2y]

I always understood it was 25% each but I could be wrong ..

[@darnelllewis5984]

Hey Dave Can you talk about LLC and ways to protect your real estate properties! Thank you 😊

[@BrettaANordsiek]

Overall, 51% of traders think this year would favor stocks, mutual funds, and other equity-based investments, despite Treasury yields and other safer cash-like investments paying big. I’m looking for opportunities in the market that could fetch me $1m ahead of retirement by 2025

[@Jadechurch-ql3do]

the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.

[@brianwhitehawker1756]

Even with the right strategies and appropriate assets, investment returns can differ among investors. Recognizing the vital role of experience in investment success is crucial. Personally, I understood this significance and sought guidance from a market analyst, significantly growing my account to nearly a million. Strategically withdrawing profits just before the market correction, I'm now seizing buying opportunities once again.

[@yeslahykcim]

impressive gains! how can I get your advisor please, if you dont mind me asking? I could really use a help as of now

[@brianwhitehawker1756]

Yvette Ruta Musto' is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

[@PWIviefynn]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@lyonk-tz8qf]

All the data says that 93% of managed mutual funds under perform the indexes, over 15 time period. Daves mutual funds have not averaged 12% per year, they have returned about 10.6% cagr.

[@latuman]

Does that include fees? I'd guess not.

[@poolmilethirty2859]

Ramsey suggests 25% in an Intentional fund that mirrors the track record of the s&P but i cannot find any international fund with that performance. Any suggestions out there?

[@nosvibes9786]

I cannot find any foreign etf with stable growth

[@janitoronfire]

4:00 Just buy the index funds and forget about it. He makes it too hard and he gets kickback money from his endorsed local providers and most mutual funds over 80%. Don’t beat the end decks. Don’t make it too difficult and quit giving this guy a bunch of money on kickbacks endorsed local providers means he gets money to push their products. Just buy the index fund and fees. Do matter run a calculation on an investment calculator you’ll see that fees make a huge difference .

[@romanz2800]

Considering 80% of mutual funds underperform the index, it's actually incredibly difficult to find the ones that are going to generate alpha. Additionally, past performance isn't a great way to your investments. Dave is a great financial coach but I'm not sure about his to manage portfolios.

[@benitabussell5053]

Recently, I've been pondering retirement. I've also put $800K into the stock market but i'm encountering fluctuations with limited gains. i need an approach that will align with my risk tolerance and financial goals. whats the best approach

[@BenTodd-fl8nv]

While the stock market is promising, expert guidance is essential for effective portfolio management

[@judynewsom1902]

Opting for an inves-tment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2022

[@HarrisRyan-oy8eo]

Who is the coach that provides guidance for you? I urgently require assistance; my stock portfolio is stagnating, and I need investment advice for retirement.

[@judynewsom1902]

*Natalie Marie Gentry* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@Debbie.Burton]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@jonquindiagan7625]

Thank you for the information.

[@alyxxa6182]

You CAN take money out of a Roth IRA and Roth 401k BEFORE the age of 59.5 IF it’s been in for 5 years, and IF you are only taking out the money you personally put in. You just cannot take out the INTEREST.

[@netmeg]

Geezopete. Where were you all when I was younger? I could have used this.

[@RebeenAmin1980]

I disagree with you on this one. I would just buy an index fund or two and use will save on fees. Ur basically stock picking and that doesn’t work for 99 percent of the investors. Sorry ur wrong

[@andronickmartusheff]

Exactly. Picking stocks == picking mutual funds == picking some dude to pick your mutual funds.

[@RebeenAmin1980]

Sometimes he gives bad advice

[@zuniganichol11]

One lesson I've learnt from millionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $30k of my savings in stocks this year, and I hope I make profits.

[@gregorywhem]

You are right. The best approach I feel is to diversify investments- by spreading investments across different asset classes like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

[@NormanGhali]

That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.

[@Redwood4040]

I really want to get in with a financial advisor this year, especially as all markets are hitting highs. I don't want to be too optimistic and end up losing ever

[@NormanGhali]

Well, if you are looking for a good one I would recommend *Sharon Lynne Hart.* I'm sure there are also a lot others who know what they are doing.

[@frankchappellxz]

Thank you for the recommendation. I'll send her an email and I hope I'm able to connect with her.

[@Riaan3108]

Tax smart investing is something to maximise and invest consistently. Dream and win big ppl.

[@truelove7751]

Is it a good idea to do a “managed” mutual fund or “managed” IRA where my financial advisor company takes a quarterly fee? How else since I can’t look to manage it myself carefully day to day to buy/sell. No way around that I suppose. I’m not knowledgeable to be hands on and that why they have a team of people managing it daily where I get charged that quarterly fee.

[@user-vx8mj3ne5r]

If you're young, then absolutely not. "Passively managed" is the type of fund you're looking for. And if you're investing for your future, you shouldn't be buying/selling every day anyway. That will hurt your long-term returns. Invest an amount every month, that's it.

[@REDSavage369]

While I do agree with Dave on a lot of things, I must disagree on his stance on Bitcoin. Bitcoin has and will outperform the S&P500 and his mutual funds.

[@WelsonDas-wm4it]

I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.

[@DeepakSagar-bd9uo]

Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert

[@MartinAnderson-ds7fy]

Agreed, It's essential to diversify your portfolio. While quality stocks are a solid foundation, you should also consider other assets to spread risk. Thankfully, I can attest to the success of this approach aided by professional guidance seeing my portfolio of $330k grow by 15% this year alone... maybe you should do the same.