What Dave Ramsey Doesn't Like About Investing In ETFs

[@MarieVincente87]

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 $280k portfolio comprises of plummeting stocks which were once revered and i do not know where to go here out of devastation.

[@StalinUndav]

I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown

[@JeanKlaasen]

Reason I decided to work closely with an brokerage-adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had an brokerage-adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.

[@NandaHernandez-h9r]

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

[@JeanKlaasen]

I work with Elisse Laparche Ewing as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.

[@EricCarrasco-g8h]

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

[@HettieClausenTl]

I sold an apartment in Springfield and made about $250K. I was frustrated when I only earned $171 in interest from a regular savings account. After doing some research, I was advised to invest in stocks. Are these stocks a good point to start from?

[@matteohenry33]

While the stock market is promising and can give good ROI, expert guidance is essential for effective portfolio management so you don't get burnt out in the market as it is very volatile.

[@ShirlPigram]

I opened an online high-yield savings account with 5.12863% interest compounded daily, expecting to get $2,500 in interest on my initial $50,000 at the end of the month. Instead, I only received $420. When I inquired, I was told the interest is calculated daily, which was not clearly stated on the website. My partner advised me to divert into stocks through an advisor, and in just six months, I achieved over 80% capital growth, excluding dividends. Highly recommended!

[@coryDeshawn]

Pls how can i meet this advis0r? i want someone to help me invest my divorce settlement, It's just being laying around in the bank without much interest.

[@ShirlPigram]

Celia Kathleen Martel is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment. She’s really good

[@coryDeshawn]

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

[@MilaCruz-d5r]

I've just begun learning about value investing, and I've found that many good stocks are undervalued despite their intrinsic value. If you had $200,000 to create a strong investment portfolio, which stocks would you choose for better returns?

[@CameronDonna-w7n]

I think a good investment portfolio should have three basic things: ETFs for diversification, dividend stocks for cash flow, and leading tech stocks. With your budget, it's a good idea to talk to a fiduciary financial advisor for expert advice.

[@Simeonedavis]

I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.

[@ryannemdjen]

I'm glad I found this conversation. I have cash to invest but am worried about picking the wrong stocks. Can you refer me to your financial advisor?

[@Simeonedavis]

I'm cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I've worked with Judith Lynn Staufer for years and highly recommend her. Look her up to see if she meets your criteria.

[@ryannemdjen]

Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.

[@philipfletch]

Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!

[@RoseGuerra7862]

Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?

[@martinheaway]

When it comes to investment, diversification is key. That is why I have my interests set on key sectors based on performance and projected growth. They range from the EV sector, renewable energy, Tech and Health (AMD) alongside coins, and gold. I'm also working on an investment plan that includes AI looking into Nvidia, MSFT, Alphabet stocks among others with my Fin. Advisor, . It's been a year and half of steady growth.

[@JaneClark7861]

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

[@martinheaway]

Not to blow her trumpet, but “Amy Desiree Irish” is exceptional in navigating tough markets. She has been planner ever since we met in London global economy conference. she's verifiable , so you could just search her and book an appointment. good luck!

[@JaneClark7861]

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.

[@alexsteven.m6414]

I have added a variety of stocks and ETF to my present holdings for the long term. I also have $300k aside to start following inflation-indexed bonds and stocks of companies with solid cash flow. I strongly believe this is a good time to capitalize on the market for long term gains. But actualizing a short term profit would not be a bad idea for me at all.

[@belobelonce35]

A collapse of margin debts leads to a decrease in stock prices and it triggers a ripple effect on selling of stocks as investors will try to cover their losses.

[@MarcyLoccy]

I totally agree. That is the main reason I employed the service of financial advisor, seeing that their skill set is centered on going long and short at the same time, with the ability to identify and mitigate potential risk on and threat on my assets, employing risk for the asymmetrical upside and laying off risk as a hedge for the inevitable downward turns. I have netted a whooping 2.2million in 2years of working with my advisor, and I am not even doing much.

[@samuelrandy-k8x]

Could you possibly recommend a CFA you've consulted with?

[@MarcyLoccy]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Rebecca Nassar Dunne” and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@firefighter-i6q]

I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.

[@djee02]

To have a discussion about ETFs vs mutual funds and not mention fees is dishonest.

[@SilentEire]

Exactly. Some mutual funds can beat the market, even after fees. But they’re often not well known (for obvious reasons). ETF is the best choice for most people due to the cost savings 💵

[@djpuplex]

Bingo also the managers fees or commission.

[@maxcohn3228]

This is honestly my biggest gripe with Dave's advice. He never mentions fund fees and preaches actively managed funds while never answering why outside of him picking funds with good track records, despite there being lots of data showing that the majority of funds do not perform based on their past performance. Other than that, I listen all the time. Just something that bugs me.

[@clericstorm2009]

Remember these guys aren't licensed financial professionals. Buyer beware.

[@dnah02]

Exactly

[@HamiltonRb]

You buy low cost index funds if you are saving for your retirement, or high priced mutual funds if you are saving for your financial advisor’s retirement. Take your pick

[@gonnahavemesomefun]

Best. Comment. Ever. Love this. I am pinching this and using it to educate my friends :) thank you

[@JakeM218]

You’ve missed the point of this video. You can have an S&P index fund or an S&P ETF. They’re two different things. Dave is talking about why someone would specifically want an ETF. An ETF allows you to buy and sell at any minute during the day. An index fund can only be bought and sold at the close of market.

[@Sadreath]

@@JakeM218 No he didn't. The point Ramsey did not make was the enormous cost difference that, unless you have 0 self control and start trading like you are in vegas, the ETF is always the better option because much less of your money gets eaten up by sky high costs

[@JakeM218]

@@Sadreath You believe he’s comparing active funds vs passive funds. He’s not in this video. He’s comparing just the wrapper. You can have the same items inside each type of wrapper. VUAG Vanguard S&P500 ETF 0.07% fee UBS S&P500 Mutual Index fund 0.09% fee There’s barely anything in it in terms of fees. An Index allows you to buy and sell it at a single point each day, whereas an ETF is adjusted on a minute by minute basis during trading hours.

[@DoggoWillink]

@@JakeM218ETFs are more tax friendly for taxable accounts, which is a main advantage over index funds. That said, it’s splitting hairs for most people, especially those who don’t have a gigantic income level/bracket.

[@MichaelGabreil]

I wish they taught investing at school level. There is so much advantage to doing this! My biggest regret is that I started so late. And still not good at it, I think at this point i need help

[@ClemonSteve]

I wish I could have retired in my 50's. I'm 65 now, I started investing late . After some research, I found a strategy that helped. I'm pleased to say I'm retiring with at least $2 million.

[@MichaelGabreil]

@@ClemonSteve It’s worth noting that luck often plays the significant role in some cases, sometimes even more than the resources involved. Without it, its challenging

[@ClemonSteve]

@@MichaelGabreil luck plays a part, especially in the short term. I noticed that when results remain consistent, it indicates something more than just luck. research was the challenge until It led to Julie Ann Lerch, a fund manager. her strategy made sense, it contributed to growing 950k into this and counting

[@MichaelGabreil]

@@ClemonSteve I pasted the name into my browser and her page popped up as a top result. appreciate you pointing that out

[@Armstrong741]

My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, I earned up to 102K on divideds, but with this looming crash i"m confused right now.

[@BenTodd-fl8nv]

There are various strategies for earning substantial profits from the market, but it's best to be guided by an expert, especially given the current economic conditions.

[@RickWatson-xu6gw]

There are various strategies for earning substantial profits from the market, but it's best to be guided by an expert, especially given the current economic conditions.

[@A_francis]

you need a certified financial planner straight up! personally, I invest in ETF's and also love investing in individual stocks. yes it’s riskier but am comfortable in my financial environment

[@EverlyndPerez]

The market's instability makes DIY risky. You don't need to find the next NVDA to succeed in investing. Opt for top-notch ETFs, dividend aristocrats, and a trusted advisor. I've turned $95k into $17k in annual dividends, a major milestone.

[@HarrisRyan-oy8eo]

I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.

[@lucasr648]

The scams and bots in this comment section is unreal… KZbin needs to stop demonetizing KZbinrs so much and needs to deal with this bs

[@gino14]

Sure, my comments get shadowbanned because I mention words that make people slightly uncomfortable. But Visharan Masharawni Luluvich Von Alderach the Fourteenth, Viscount of Nigeria here can get his 40,000 botspam comments through and they drown out legitimate commenters -_- Honestly, this website's leadership...

[@EthanBrown_23]

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 the 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

[@JenniferDavis7630]

Personally, I would say have a mentor. Not sure where you will get an experienced one, but if your knowledge of the market is limited, it seems like a good bet.

[@SarahTaylor_]

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.

[@trazzpalmer3199]

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

[@SarahTaylor_]

Finding financial advisors like Kenna Muriel Hesseling, who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@danieltaylor--65]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip

[@ClarkeGriffiny7]

My biggest irk with ETFs is the lack of optimization. Large changes in any given stock in the ETF can drag your portfolio down. But in general, ETF or not, I think the stock market isn't showing any sign of slowdown and I want to invest about $60k but I'm not so confident about my abilities yet.

[@sharonwinson-m8g]

Thats when you hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.

[@RaymondKeen.]

I have greatly grown more than 45% this year already, though my FA has advised we diversify going forward. But safe to say a growing market does not always mean that the economy is smooth-sailing, but yeah, we can as well enjoy while it lasts.

[@Hectorkante]

Yeah, sometimes the smoke hides the reality. Anyway, any chance you could recommend who your financial advisor is? I have to ride the tide, too.

[@RaymondKeen.]

Big Credits to ''Melissa Terri Swayne'' she has a web presence, so you can simply search for, there are some others but it might be difficult to get them, but Carol has been a good guide through the year.

[@SandraDave.]

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

[@ErikaBailey-x8g]

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.

[@SlavoPetrovic]

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

[@SoledadHughes-q2i]

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

[@NikitaMcLauren]

Reason I decided to work closely with an brokerage-adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had an brokerage-adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings

[@StalinGrabovsky]

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?

[@NikitaMcLauren]

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

[@Altintope]

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?

[@CadeCowell-ft4fe]

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

[@MalikTillman-dy2qp]

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.

[@Lynn-jw9kf]

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.

[@Greg-vn9zi]

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.

[@LindsayHoran]

Accurate asset allocation is crucial, I used hedging strategies to allocate part of my portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.

[@Erikkurilla01]

One lesson I've learnt from billionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $200k of my savings in stocks this year, and I hope I make profits.

[@jessicasquire]

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.

[@Lemariecooper]

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.__

[@Lemariecooper]

Nicole Anastasia Plumlee is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment

[@neilbarembaum1094]

@@jessicasquire Good. I like it. But you can do all of these, and Metals and Commodities in ETFs or Mutual Funds. This is real diversification and if the stock market goes down, not all of your investments will go with it.

[@syedtq1022]

For someone who is starting out fresh, how can I learn to invest ? Any tips and tricks ? I have tried tutorials and what not, but I always wind up in a rabbit hole, and feel overwhelmed.

[@diegoa3991]

Lately I’ve been mad at myself for selling my 90 shares of NVDA at 303usd each last year may. I’m considering liquidating a few other investments to rebuy and trade but afraid to do so, I also have about a half a million in savings making me next to nothing, thoughts? Ideas ?

[@jeffereywalsh8950]

Everybody needs a margin of safety in their portfolio and you should take to note; its time in the market vs timing the market.

[@houstonbella2871]

Reduce risks on your portfolio, shore up your core holdings, and take some profits while balancing your portfolio allocations. I for one found working with a proper fiduciary very rewarding, I’ve had my portfolio up over two years now, its what my spouse and I do.

[@monsoe9748]

Pls ma’am a little more info on your adviser

[@houstonbella2871]

I’d say Lina Dineikiene, look her up. Truly exceptional.

[@houstonbella2871]

I’d say Lina Dineikiene. Simply exceptional

[@AsadJohn-g7x]

Investing in many sources of income that are independent on government paychecks is the prudent thing that everyone should be thinking about right now, especially given the global economic crisis. Stocks, forex, and digital currencies are still good investments at this time

[@Khadija-v2w]

Trading in bitcoin now is the widest thing to do now especially beginners

[@RobertMark-j4k]

Most people think, investing in crypto is all about buying coins and leaving it to rise, come on it takes much analysis to be a successful crypto trader.

[@Marcos56-c8i]

Trading without professional guide...Huh i laugh you, because you will remain where you are or even make huge loses that will stop you from trading, this has been one of the biggest problem to new traders

[@MarkJohn-c6u]

Honestly I really need help learning to trade, seeing my portfolio low makes me very sad.

[@GramPhilip]

​@@Marcos56-c8i You are right! I have lost a lot of trading all by myself without a guide, it's an uneasy ride for me.

[@Raymondcraw1967RaymondCrawley]

As an lnvestment enthusiast, 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?.

[@FaithAndrada-xo9ou]

The current state of the market may bring opportunities to increase profits quickly, but professional assistance is required in order to put such a plan into action.

[@BrewerVera]

Many people minimise the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm solvent. I looked for licenced advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.

[@AndersonFair-cy2bb]

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?

[@BrewerVera]

Rachel Sarah Parrish 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.

[@AndersonFair-cy2bb]

She appears to be very knowledgeable. I found her webpage and read through her resume, educational background, and qualifications, which were all very impressive. I have sent her an email detailing my financial goals.

[@LiamOlivia-4]

I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for...

[@ЕленаФирсова-ц6м]

I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.

[@LiamOlivia-4]

@@ЕленаФирсова-ц6м That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well

[@ЕленаФирсова-ц6м]

@@LiamOlivia-4 My advisor is MARGARET MOLLI ALVEY;

[@ЕленаФирсова-ц6м]

You can look her up online

[@YinusaSaheed]

@@ЕленаФирсова-ц6м The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?

[@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?.

[@jessicamoore3093]

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

[@g.u.6897]

Consider your large cash stash "dead money".

[@stevenporter863]

1. ETFs are just more liquid meaning you can buy or sell it during market hours. They act like stocks. 2. Mutual Funds are only once a day and one price a day (usually after the market close) and usually require funds to be added regularly. 3. Both can either be passive or active, which impacts fees.

[@costco_pizza]

And on point number 1, if you are dollar cost averaging on a particular interval into ETFs, you will need to actually log into your account during trading hours and make the purchase. With mutual funds you can set purchases on autopilot (for that one price mentioned in point number 2) and forget about it. So choose the right vehicle based on your needs and preferences. If you don't see yourself buying on routine intervals and are planning to lump sum into the market, sometimes an ETF can be preferred.

[@stevenporter863]

@@costco_pizza Exactly. EFTs just give the investor more flexibility (good or bad depends on circumstances). Maybe EFTs are better if there is fluctuating income, like commission based.

[@Dividendflywheel]

@@costco_pizza Yes. Very important point

[@mitchellmatthews97]

Also, my experience with Vanguard has been that ETFs are great to get their "admiral" low-fee funds without the $3,000 minimum investment which is a barrier to entry for many new investors.

[@Dividendflywheel]

@@mitchellmatthews97 vanguard low fees are a big edge over their competition.

[@kuchzaddy6506]

An important point that I think Dave is missing is that mutual funds typically have higher expense ratios than ETFs. For this reason, although they are similar as diversified baskets of stocks, ETFs are generally better given the low fees.

[@X-7-JAMES]

Mutual funds can be preferable over ETFs in scenarios where you value professional management, want automatic reinvestment of dividends, or seek the ability to make frequent, smaller investments through features like automatic investment plans. Additionally, if you prioritize simplicity and don't plan on trading frequently, the convenience of mutual funds might outweigh their higher fees.

[@Markjacobs4477]

@@X-7-JAMES yeah literally all of that is the opposite and complete bullshit. Mutual funds are horrendous

[@TimStout71]

@@X-7-JAMES Over time professional management has not out performed the market. Keep it simple buy indexed ETF's and you will be rewarded also by lower fees. No one has insight in to the future so why try to actively manage anything?

[@fdllicks]

I have everything in vanguard VUG and in VOOG. They do great with ridiculously low fees.

[@digitalgypsy21]

@@X-7-JAMES Yes! this is one thing I didn't consider with ETFs. Since my dividend is not enough to buy one whole share I can't reinvest them.

[@Bestjudy001]

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.

[@patrickhenandez]

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

[@Bestjudy001]

@@patrickhenandez 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.

[@patrickhenandez]

@@Bestjudy001 Oh please I’d love that. Thanks!.

[@Bestjudy001]

@@patrickhenandez Clementina Abate Russo is her name.

[@Bestjudy001]

Lookup with her name on the webpage.

[@BirgittaGunilla]

My wife may have a more cautious or practical outlook, especially because she values security in retirement. Ramsey’s focus on mutual funds might appeal to her because of the perceived professional oversight and the promise of higher returns, which could feel like a safer bet.

[@ErinBertha]

Good day Mr Birgitta, i would be lying if i act like your wife's point isn't valid(thinking about retirement and deciding to play it safe) but then with inflation rate one should consider utilizing their mutual funds. In this case i suggest you consider passive index fund investing and widen your range of learning.

[@BirgittaGunilla]

​@@ErinBerthaActually I'm pretty much interested in passive index fund investing but i have little or no insight on the subject.

[@ErinBertha]

​@@BirgittaGunillaJust like you I was once a newbie to passive index income but all thanks to Ms Marie Anne Canterbury who is nothing but a professional in her field(Broker). With her knowledge and guidance, I’ve been able to build up my finances as well as my husbands that we no longer have to look over our shoulders when it gets to retirement. I humbly advice that you look her up online (google) and see things for yourself.

[@Gdrtffd]

the yield on bonds have decreased especially on the long end (30 and 10 Y) indicating that the demand is still there even if the supply remains huge showing a preference for safety. I'm still at a crossroad regarding whether or not to liquidate my $138k

[@Thomaspaul519]

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.

[@Judy854]

I agree with you. I started out with investing on my own, but I lost a lot of money. I was able to pull out about $200k after the 2020 crash. I invested the money using an analyst, and in seven months, I raked in almost $673,000 *.*

[@Tracykierce]

Please will you be kind enough to share the details of the man that helped you? *.*

[@Judy854]

Actually its a Lady. Yes my go to person is a 'MARY KALIOPE BRAUN'. So easy and compassionate Lady. You should take a look at her work.

[@Tracykierce]

Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks

[@youngandfree93]

I pretty much invest in the S&P 500 ETF VOO every month. Buying and holding and never carrying about selling. The fees are incredibly low for it.

[@pataleno]

Keeping everything in US maybe a little risky long term. I also invest in S&P but split for a global index fund like VWRL. Not a bigger returns but safer imo and steady.

[@zackdreamcast]

Same, just by VOO and you’re getting a vast majority of the US Stock market

[@Yegorich]

VOO is the only fund that consistently made money for me. I love it and expense ratio is way lower than mutual funds

[@gmailuser5461]

What is the point of doing this instead of just buying into the index itself?

[@XxBruce5002xX]

​​@@patalenoi bekieve VRWL fees are significantlt higher. So i just do Sp500. The way i see it, if the american economy fails, the world bas bigger problems Edit: also, VRWL is 65% american, so not as diverse as the name suggests!

[@Diony.soniega]

I'm interested in investing, but I'm not sure where to start. Can you offer any advice or recommend someone who can guide me through the process💔🙏🏻

[@Jacques.lavariere]

Just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying it’s ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $450k gains within months, l'm really just confused at this point.

[@JackDevin-bk6si]

Heard someone mention a couple making around $120,000 during the recent Bitcoin pump. How're they doing it?

[@Stephaniepierrenoel]

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

[@Jasonduryea]

It is wise to seek professional assistance when looking to create a strong financial portfolio due to it's complexity

[@Charlottesiville]

Making touch with financial advisors like Maria Showan who can assist you restructure your portfolio would be a very creative option.

[@vikas-y7h]

As an investing enthusiast, 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?

[@mayalucia-]

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.

[@KiraWells-r4l]

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.

[@Reuben-w5f]

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.

[@KiraWells-r4l]

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..

[@shurik-h5o]

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 résumé.

[@JohnHannay]

The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stocks, Gold, silver and digital currencies.

[@Andrian-ch3on]

The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading.

[@RickMckee-nq4ni]

Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again

[@JacksonMiley-iq7mo]

I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?

[@RickMckee-nq4ni]

Having a counselor is essential for portfolio diversification. My advisor is Megan Nicholle Granda who is easily searchable and has extensive knowledge of the financial markets.

[@AndrianWiener]

Having a counselor is essential for portfolio diversification. My advisor is Megan Nicholle Granda who is easily searchable and has extensive knowledge of the financial markets.

[@austinwalker1379]

For the newbie if you are actually trading in the crypto space and you don't have a sound mentor. Then you are certainly going to get liquidated in 90% of your trades. Yeah that's the sad truth. I remember when I just got into crypto back in 2019 but later in 2020 I ended up selling it because I have lost alot trading all by myself without a guide. Got back into crypto early in 2023 with $10k and I'm up with $128k in a short period of time.

[@kenrobin8736]

The future belongs to those who believe in the beauty of their dreams. Success is a state of mind. I think I'm blessed because if not I wouldn't have met someone who is as spectacular as Expert Mrs Lucy Mary Liam.

[@watson244]

I'm glad I was introduced to forex trading and got the best teacher and mentor who helped me understand the financial market I'm grateful to Mrs Liam🙏

[@megantyo9]

It's a miracle and I would testify, $110,000 every 4 weeks! I now have a big mansion and can now afford anything and also support God's work and the church.

[@monica50185]

I have broken through 45k, 72k and got my eyes on 150k USD! Champagne stays popping, she is too awesome.people prefyto spend money on liabilities rather than investing in assets and be very profitable

[@Westonmckennie943]

Hallelujah!!!!!!!!!!! The daily Jesus devotion has been a huge part of my transformation. God is Good 🙌🙌🙌🙌🙌🙌🙌🙌🙌was owing a loan of £47k to the bank for my son's brain surgery(Samuel). Now I am no longer owning after I invested £6500 and got my payout of £290k every month, God bless Lucy Mary Liam 🇺🇸🇺🇸🇺🇸

[@Brennanoliver775]

I'm favoured, Getting my own Truck has always been my Dream for my business. I just acquired 2 recently, earning $32K weekly has been really helpful. I can now give back to the locals in my community and also support Charity Organizations. I really appreciate your videos

[@BeverleeR.Ziegler]

True. Having the right financial planner is invaluable. My portfolio is well-matched for every season of the market and recently hit 90% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q3 2024.

[@WyattSmith-v]

That's impressive, have you always had guidance?

[@WyattSmith-v]

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

[@BeverleeR.Ziegler]

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Jennifer Lea Jenson for the last five years or so, and her returns have been pretty much amazing.

[@JimmyA.Alvarez]

This recommendation is coming at the right time because i am literally grasping for straws atm! I verified her online and scheduled a phone call with her.

[@KimRobert-]

Your videos is very inspiring and I love the work you put in towards your growth !! I am part of your viewers and I’ve been watching your videos lately. Some people now invest into crypto and get their retirement plans faster. With the right broker and instructor you can figure out the right trading to engage in, I hope we continue to invest wisely.

[@MsSandraWang]

Yes, it’s true, there’s been a lot of talks about investing lately, but I’m new and also curious how I can get started. Can anyone explain how to invest and how to get started?

[@DukeThomasGeoffery]

In my opinion, investing is not about getting rich but about gaining financial independence. I rely on strategies from a source that ensures my monthly dividend

[@MsKaityHelen]

How can I connect to your source for success tips!?

[@KimRobert-]

Mrs Diane Davis

[@KimRobert-]

She’s on Telegrams And Instagram

[@well-blazeredman6187]

I have both. My ETFs often have much lower fees, and I like being about to trade an ETF instantaneously rather than waiting for the next valuation-point, which might see the market having shifted by 1%. I agree with Dave on the importance of avoiding over-trading.

[@victoriaabott]

Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?

[@Jamesjerome0]

Just ''buy the dip'' man. In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.

[@GaryNicka]

The truth is that this is really not as difficult as many people presume it to be. It requires a certain level of diligence, no doubt, which is something ordinary investors lack, and so a financial advisor often comes in very handy. My friend just pulled in more than $84k last month alone from his investment with his advisor. That is how people are able to make such huge profits in the market.

[@Vivienedouglass]

nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?

[@GaryNicka]

nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?

[@Vivienedouglass]

Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks

[@BrettaANordsiek]

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement. I'm seeking to invest $200K across markets but don't know where to start.

[@lucaswilliams9992]

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.

[@yeslahykcim]

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.

[@Jadechurch-ql3do]

Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

[@yeslahykcim]

Laila artine kassardjian' 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.

[@brianwhitehawker1756]

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.

[@Vikturneer]

This time last year I considered getting into Etfs without much knowledge and decided to have a consultation with a fiduciary, and it was incredibly insightful. One year down the road, I truly cannot stress enough how helpful experts in this field are!

[@Vikturneer]

It’s not rocket science. I got into index funds, and ETFs, myself but wasn't getting the results I wanted the first couple of months. Got tired of taking losses and decided to seek mentorship from Jonas Herman, a certified fiduciary who helps oversee my investments and has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my investment decisions align with market dynamics for optimal profit.

[@Pathston]

@@Vikturneer That's your view. In my experience, there is no such thing as a mentor or formula, it is nearly impossible to achieve success with investing. It’s all just gambling.

[@McPhersonz]

Sounds like I need help so bad. To me, these get rich quick schemes (stocks) are not worth it and I know that's the same mindset holding me back from taking a step forward.

[@Freddyyyy266]

I don't usually leave comments on socials but I feel compelled to. I just wanted to let you know that you’re doing a great job, Jonas. You have made a real difference in my investing journey.

[@Niveen175]

I'm 44, I hope it's not too late for me. Is there a way to learn more about his service?

[@kyleevanston]

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.

[@anatolyivan]

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.

[@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.

[@jadewashington7]

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

[@laurenstewartd]

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

[@kyleevanston]

she's mostly on Instagrams, using the user name

[@klunnikov]

Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.

[@fedorinovsubdivision]

Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.

[@fedorinovsubdivision]

Angela Lynn Schilling is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

[@Peglegkickboxer]

The majority of the rest of the world is in a worse situation (outside of maybe like Russia and China or niche countries with niche economies like Holland or the Arabic peninsula.

[@Rya1122]

I devoted to my financial expansion this year, started with ETFs which has given me 12 percent growth so far but I recently diversified into Forex which has made me over 70k with a 100k capital

[@dave1142]

Wow, I know it is profitable if done well which is a skill that is hard to learn. can you help me get started

[@Thyago2420]

My dad has been actively investing into ETFs for over 30 years now according to him, he's a millionaire and has been since I was little. So I am just stating the importance of investing

[@Rya1122]

Trading isn’t really easy so I employ the expertise of a pro Benjamin Ravies, he handles that aspect with his skill

[@Rya1122]

Benjamin ravies That's his Gmai okay

[@dave1142]

Thanks so much, I have mailed him

[@ChristopherAbelman]

I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio of $450k dwindle away is such an eye -sore.

[@HildaBennet]

There are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.

[@PennyBergeron-os4ch]

I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 67% profit in 18 months

[@JosephineKenney]

I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?

[@PennyBergeron-os4ch]

Sonya Lee Mitchell is a renowned figure in her line of work. I recommend researching her credentials further.

[@JosephineKenney]

she actually appears to be well-read and educated. I just did a Google search for her name and found her webpage, I appreciate you sharing

[@KenistonKist]

I will be forever grateful to you, you changed my entire 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 Charlotte Miller.

[@GertonTootle]

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

[@bennettross1]

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.

[@sole27ore]

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

[@norbi147]

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.

[@KenistonKist]

she's mostly on Instagrams, using the user name

[@ThomasDonald-d1y]

What is the best approach to enter the market now as a beginner with more or less than $9000?

[@BrittanySimmons-i1c]

You need a Pro at navigating the market. Someone like TIMOTHY ERIC MEEK

[@BenjaminSunday-s1n]

Meeting TIMOTHY changed my life,I was struggling to make rent now I'm looking at houses to buy..

[@ThomasDonald-d1y]

Please share how I can reach out to him?

[@BrittanySimmons-i1c]

You can visit his website or Google TIMOTHY ERIC MEEK

[@bigboi7458]

The most obvious scam I’ve ever seen lmao yall not fooling anybody

[@benjaminsmith3469]

People say it's never too late to start investing, but after my recent horrendous divorce at 59, it can be difficult to not have anxiety about the economy and retirement. Is there any idea how an old timer like me could see 7-figures before 65? I've set asides $200k to fire up my goal.

[@stevensmiddlemass2072]

you have basically 6 year time, dont rush! spreading your investments across various mkts is the surest thing to do now, invt-advisors actually play a key role in diversification

[@billybrannon6394]

I totally agree, investing can be effortless using an advisor that knows what the heck he/she is doing. I remember early 2020 amidst the rona-outbreak, my portfolio took a big hit, thus consulted an expert. As of today, I've realized nearly $650k ROI after subsequent investments, cos I know enough to seek expert counsel before quitting.

[@Emily-le2op]

I totally agree, investing can be effortless using an advisor that knows what the heck he/she is doing. I remember early 2020 amidst the rona-outbreak, my portfolio took a big hit, thus consulted an expert. As of today, I've realized nearly $650k ROI after subsequent investments, cos I know enough to seek expert counsel before quitting.

[@ConradGosling]

Agreed, After taking charge of my portfolio in early 2017, i stumbled into losses. Upon realizing that a change was necessary, I consulted a fiduciary advisor in 2020 and since then my $1.2m portfolio has gained 28% annually through restructuring and diversification using dividend equities, ETFs, mutual funds, and REITs.

[@Emily-le2op]

How can I reach this adviser of yours? because] I'm seeking for a more effective investment approach on my savings

[@9liveslisa]

I wanted to invest 2/3's of my HSA money before I retired, so I asked my financial guys what I should invest it in. At first, they wanted to make sure I really wanted to do that and I told them that I did because I had a large amount of money that wasn't earning anything in the cash account. So they told me to invest it in a specific ETF which I did. Fast forward 7 years later and I'm very glad I made that decision because the money has grown a lot and it is so nice to have a bucket of money for medical/dental in retirement. So far I haven't had to use any of the ETF money, so I'm just letting it ride and I feel more secure knowing it is there in case I need it.

[@rcaviator4310]

I did something similar a few years ago when I opened a brokrage account, and started investing outside my retirement. Having a large amount of assets that you can sell any time gives great piece of mind.

[@Markjacobs4477]

I literally have 3 different accounts where my money is automatically invested into etfs idk wtf your talking

[@ejiroi6511]

Now I understand Dave's thinking a bit more, always wondered why he preferred Mutual Funds over EFTS (I admit I thought he was trying to make some commisions for his mutual fund & advisor buddies), this video completely answers that question in a very clear way. ETFS can be gate way to bad trading habits, hence his mutual fund preference. Happy I watched this.

[@MaximilianFischer497]

Buying of ETFs is easy, but buying the right one without a time-tested strategy is incredibly hard. Hence which is best to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $260K for sometime now, my major challenge is not knowing the best entry and exit strategies... I would greatly appreciate any suggestions.

[@MarshalWagner457]

Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional.

[@TicheDebb0]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@EvelynBrooks0]

Mind if I ask you to recommend this particular coach you using their service?

[@TicheDebb0]

Rebecca Noblett Roberts is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment

[@AshleySommerset808]

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

[@pey7777]

"What Dave Ramsey Doesn't Like About Investing in ETFs" - He can't profit from selling them through his for-fee financial advisors

[@DarthBalsamic]

Didn't watch the video huh? Lol

[@stevo4535]

What are you talking about? I’m a fee only advisor and I use a ton of ETFs in my clients accounts.

[@kurtsalm2155]

Dave definitely has an agenda. I really don't trust the guy.

[@spankynater4242]

"What Dave Ramsy doesn't like about ETFs" Dave "I like ETFs, I don't have a problem with them."

[@michaelswami]

I watched the video and he didn’t say that.

[@tylersanders2388]

There is one particular thing with investing that I would challenge Dave on, which is actively vs passively managed funds. Sure, some 20% of actively managed funds do make more than passively managed funds, but the odds are against you from the start. Then when you factor in the 10x higher fees, you lose most or all of your advantage.

[@NeedofBeingVersed]

Maybe a handful of people in the world can do it year over year for decades as well, which is a long-term investor’s timeline.

[@tylersanders2388]

@@NeedofBeingVersed you are right, there are a handful of people that can do it. I just don’t trust that I can find those couple individuals that can do it or that the ones that have shown huge returns for the last couple decades will continue to do it consistently

[@NeedofBeingVersed]

@@tylersanders2388 100%. I agree with you, just worded it poorly. It just isn’t worth trying to find the needle in a haystack when an inexpensive and reliable alternative is available.

[@X-7-JAMES]

This is exactly the reason he tells the layman to find a balanced portfolio and invest with dollar cost averaging. Simple and always a winner in the long run.

[@damondiehl5637]

Warren Buffet talked about passive index funds beating the vast majority of actively managed funds. They can run all their calculations and discuss and hem and haw over their decisions, but you can get just as good if not better results just investing on a set schedule in a good quality index fund or ETF. Decide which sector of the market you want to invest in and stop worrying about it. Time in the market is far more important than timing the market, although once in a while, blatant opportunities present themselves. I managed to catch the 2008/2009 market at the very bottom, and the COVID scare and whatever the heck happened on about October 23rd last year. Desert Storm and 9/11 were two other events where I just didn't have any money available to jump on anything, but I wish I had.

[@ArtaxForever]

If youve ever listened to Jack Bogle youll know that mutual fund fees absolutely decimate compound interest over time. A 2% management fee over time will leave you with 33% of what you could have earned in retirement investments at age 67!! If you are buying mutual funds, keep the expense ratio as low as possible. I never buy anything above .5%, and most retirement investments are less than .2%.

[@USViper]

My ETFs: SVOL, JEPI, QYLD, RYLD pays me $1100 monthly dividends. ETFs are less expensive to own than mutual funds. Plus, they trade continuously throughout exchange hours, and such flexibility may matter to certain investors. ETFs also can result in lower taxes from capital gains since they're a passive security that tracks an index. ETFs, which are passively managed, tend to have significantly lower expense ratios than actively managed mutual funds. What drives up a mutual fund's expense ratio? Costs such as a management fee, fund accounting and trading expenses, and load fees related to their sale and distribution.

[@rhaythe]

Worth mentioning is that many ETFs, especially ones from Vanguard and the like, are based heavily on their mutual fund siblings. There's really very little in the difference except how it's traded, management fees, and the like.

[@smileychess]

My only problem with ETFs (at least in regards to Vanguard) is that you can't invest automatically into them. So if you have a Roth IRA with Vanguard, and you have an automatic deposit every month, then you have to go into your account each month and buy your ETFs so the money is actually invested. Their mutual funds allow you to invest into them automatically. All that said, I chose to invest in ETFs and make the extra effort, to save on fees. But for many people the convenience of set-and-forget is probably worth going with Mutual Funds.

[@kickme006]

Etfs have a slight dividend lag too,which over time can make a difference

[@damondiehl5637]

@@smileychess From what I've read at ETrade, it is possible to automatically invest in ETFs.

[@smileychess]

@@damondiehl5637 - As mentioned in my comment, Vanguard doesn't allow you to automatically invest in ETFs. I wasn't talking about ETrade.

[@dkaik]

@@smileychesspossible now with Fidelity. Others are coming on board

[@alex5308]

ETFs and Mutual Funds are the same but ETFs tend to be cheaper if they are passive

[@Art-is-craft]

They can also be very complex.

[@erikacristina9567]

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 Victoria Taylor

[@Joelgarcia47]

Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has be super.

[@perezcamelia1273]

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.

[@JamesRandle5]

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.

[@Stanley594]

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

[@erikacristina9567]

SHE'S MOSTLY ON TELEGRAMS, USING THE USERNAME

[@CurieBohr]

Just dump money into VOO. Very low fees. A very very tiny amount of managed funds beat it. Less than 1% out 10 years.

[@ThePrinceAJShow]

"I don't want you to be buying and selling all the time" - Thank you for that Dave! 🙂

[@damondiehl5637]

When my dad died I took over my mom's finances and wasn't really confident in what I was doing so I talked to a broker and he put me in a fund that rebalanced every quarter. There were tons of transactions and it all seemed like nonsense when I started looking at the paperwork. Now that I've bought and sold stocks myself, I'm a lot more confident in my knowledge and abilities, and would just do it myself, if I could go back. I didn't lose anything, but I don't remember really having any real gains.

[@APICSKH]

I have this mutual fund with employer sponsored benefits package, couldn’t be happier with any other option. Loving it watch growing up and up. Wish I had started it right from beginning. But still very happy with my decision.

[@CliffWarrensmith]

I am trying to avoid making any new buys at this point in other not to get sucked into a bear market trap. I was really hoping for my investments this year, but all my plans have been disoriented, I've been studying the market prices and I realized some investors made a fortune from the recent recession and I wondered if such success rate could be achieved in this present market. Any recommendations?

[@arielparker3940]

Cryptocurrency crashed the last couple years, so it should be starting a new run to a new high.

[@craigrussell2045]

I grew to a 7 figure well-diversified portfolio just by following Trisha Jean Webb's recommendations. I buy quality firms, anticipate to hold them regardless of what happens, pay up but not too much, keep track, sell only when necessary, and be ready to course correct. also ignore the forecasts and market views which are at best entertaining but completely useless. keep investing and you will be fine.

[@CliffWarrensmith]

@@craigrussell2045 checked for your FA and found her web page. she is very impressive, I wrote her and I'm waiting on her reply.

[@libertarian4323]

@@craigrussell2045 So Trisha Jean Webb avoided serving prison time for fraud?

[@scappel]

You buy during a bear market…….. in phases ………..

[@RobertHustwick]

I like how Dave said it. "When the news is good, it's already too late." Definitely, because you're paying a higher price than you would have and you're basically helping speculators sell at a profit

[@AliceAnderson-in1et]

Crypto is risky as many would say but I think the actual risk in Crypto is not investing, buying the capitulation isn't a tough call, but it is a very tough call to figure out what to do aside holding. I remember when I just got into crypto back in 2019 but later in 2020 I ended up selling it because I was dumb and I didn't understand it. I studied and learned and now I know how it works. Got back into crypto early in 2023 with 10k and I’m up with 128k in a short period of time

[@MamieEvans-dp6sc]

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

[@MamieEvans-dp6sc]

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

[@AliceAnderson-in1et]

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

[@MamieEvans-dp6sc]

Thanks a lot for the recommendation.

[@kerrydaniels8460]

ETF's have added advantages like fractional shares, often have lower Expense Ratios, and often lower barriers of entry. When time in the market matters this is especially important.

[@HugoBergmann-lu4nd]

With the approval of bitcoin ETFs, it's widely expected that the price of bitcoin will soar past $100k. I'd be remiss not to capitalize on this opportunity immediately. I'm eager to invest my $500k in cash savings, which currently languish in the face of inflation. However, I'm concerned: is it perhaps a bit late to maximize profits at this juncture?

[@LiaStrings]

If you're new to investing or don't have much time, it's best to get advice from an expert. Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.

[@StacieBMui]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since february, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@JerryOrion]

Due to the significant falls, I need advice on how to rebuild my portfolio and develop more successful tactics. Where can I find this coach?

[@StacieBMui]

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, Sharon Lee Peoples 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.

[@grego6278]

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

[@cb4354]

ETFs like VOO is much better than mutual funds since the management fee of VOO is like 0.03% while mutual funds can be 1-2%. that 1% difference over a long period of time is a huge difference.

[@Andrew-it7fb]

Or you can pick a cheap index mutual fund like FXAIX that also tracks the S&P 500 and has an expense ratio of 0.015%.

[@merc7paul]

Say it louder

[@ericchavez9213]

Dave Ramsey “mutual funds and etfs are almost identical” (when holding long term). His biggest sign off on etfs yet.

[@angel-ij4xv]

stay away from credit cards

[@JakeM218]

He’s not talking about the contents of each fund. He’s talking about what specifically an “ETF” wrapper is. You can invest in an S&P Index fund, or an S&P ETF. They both follow the same stocks, but they are slightly different in how they operate. An Index, like a mutual fund is only sold once per day. An ETF price changes minute by minute during opening hours.

[@ericchavez9213]

@@JakeM218 my point was for the past decade Dave has endorsed that actively managed mutual fund with added expenses is the way to invest, he has specifically argued with callers against etfs as a concept. So this video is quite the positive change.

[@Art-is-craft]

⁠@@nugsin4 So you check expenses of ETFs do you also check the underwritten contracts that the EFTs are structured. Just wondering since you like to check things out.

[@Packer1290]

Dave is 100% right on trading in and out. If your reacting to things like news, earning reports, political change, etc, you'll always be 1 or more steps behind and it leads to selling low and buying back high.

[@caseybills5517]

Is it really worth investing in ETfs in 2024, I’ve been on the sidelines watching the market for awhile and it seems to be pretty stagnant to me not that it matters because I’m in it for the long run, but how can one generate actual profit in this current market?

[@StacieBMui]

Just try to diversify your portfolio to other market sectors, that way your investment is balanced and you don’t get to make so much losses.

[@JamesLongman-v5r]

Consider investing in stocks especially during a recession . While recessions can be tough, they can also offer good chances to buy low and sell high in the markets if you're cautious. Just remember, this is not financial advice, but it's a good time to think about buying stocks since having cash on hand isn't always the best option.

[@TylerJamestown]

How can I reach this advisor of yours? because I'm seeking for a more effective investment approach on my savings

[@JamesLongman-v5r]

“Rebecca Nassar Dunne”’ 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.

[@michaelschiemer3]

Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.

[@Rachadrian]

Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.

[@Jamesbrown1126]

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.

[@CindyValenti]

Recently, I've been considering the possibility of speaking with consultants. I need guidance because I'm an adult, but I'm not sure if their services would be all that helpful.

[@Jamesbrown1126]

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, Melissa Rose Francks 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.

[@CindyValenti]

Thank you! I entered her full name into my browser, and her website came out on top. I filled her form and i hope she gets back to me soon.

[@BroxsonDeighan]

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.

[@jadewashington7]

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.

[@mikesnoek]

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

[@marthasteward0]

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.

[@ForwardMozell]

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

[@salinagauntlett]

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

[@Cristian_M_]

To obtain financial freedom, one must either be a business owner, an investor or both, generating passive income particularly on a weekly or monthly basis. That’s the key to living financially stable....

[@BryanSmith-cc9iy]

I want to compliment you, you have said it all. I am a little business owner and I really want to expand my business to the next level by making myself an investor but I really don't know how to go about it..

[@kiyotofujita2178]

imagine investing in Btcoin earlier.... You could have been a multi millionaire precently

[@ramadhanipongela1360]

​@@kiyotofujita2178 You are right. Been thinking of going into gold and cyptocurrency

[@eileengardner5462]

Assets that can make you rich *FX *Btcoin *Stocks *Gold *Real estate

[@Kennet.Bell.]

You’re right but a lot of people remain poor due to ignorance

[@Vanessa56787]

I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks this year. Hope to make millions in 2024.

[@Scarlett34568]

Since risk is at an all-time high right now, perhaps you should be a little more patient but remember the bigger the risk the bigger the results. Alternatively, you can consult a trained financial expert for strategy.

[@Alden457]

No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 2024.

[@Annie56427]

who is your advisor please, if you don't mind me asking?

[@Alden457]

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

[@Annie56427]

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.

[@lostislander253]

the thing Ramsey says about the news, "...by the time you find out, its too late." -- SUPER TRUE, I learned the hard way 😮‍💨

[@drunknhamster4708]

To paraphrase Ben Graham: you can’t guarantee the future returns of a fund, but you can guarantee the expense ratio. ETFs are often much cheaper than mutual funds, so I choose ETFs.

[@stephencullum8255]

In a non-retirement account ETFs can give you control over when you pay capital gains tax . You only pay when you sell. You still have to pay the tax on dividends but at a favorable rate if you hold them long enough. Which is why I use index ETFs in my non-tax-deferred brokerage account. A plug for Vanguard, if you use their ETFS your trades are free. And I have found them just as liquid as mutual funds .

[@Dan16673]

​@@JamesWitcher-wg5vdlol

[@wndGGaRkGBKpXvM6NWHGOeMJv]

This. You actually get a benefit of accumulating tax deferred gains, which contribute to compounding. Effectively, owning an ETF in a taxable account is an interest free loan from the IRS for the long term investor.

[@thedopplereffect00]

Most mutual funds don't throw off capital gains in my experience

[@gregstowe4595]

@@thedopplereffect00according to articles I’ve read, ETFs are better from a tax perspective relative to capital gains in a given year. It has to do with the sale of individual stocks in a mutual fund when people sell shares in the fund where an ETF doesn’t act the same way.

[@robertthomas9564]

The difference in capital gains distributions between ETFs and mutual funds is staggering. In 2022, just 4% of all ETFs distributed capital gains compared to 44% of mutual funds@@thedopplereffect00

[@timelbrecht9562]

I think one advantage of etf is you don’t have to put thousands in to start like a lot of mutual funds

[@mizzyride]

Great advice about holding on to the ETF a long time, but not sure why mutual fund fees werent discussed. Buy and hold, right on!

[@PhilipMurray251]

Stocks in the short term look more likely to move downward. I Just inherited $500k which I Look forward to invest. Is this a good time to invest aggressively or be reserved.

[@BenjaminMcLeod815]

you need a certified financial planner straight up! personally, I invest in ETF's and also love investing in individual stocks. yes it’s riskier but am comfortable in my financial environment

[@Damncars456]

Agreed, After taking charge of my portfolio in early 2017, i stumbled into losses. Upon realizing that a change was necessary, I consulted a fiduciary advisor in 2020 and since then my $1.2m portfolio has gained 28% annually through restructuring and diversification using dividend equities, ETFs, mutual funds, and REITs.

[@Alejandracamacho357]

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.

[@Damncars456]

NICOLE DESIREE SIMON is a hot topic even among financial elitist in California. Just browse, you’d find her, thank me later

[@Alejandracamacho357]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible.

[@phoneuse2012]

I agree on the fee discussion. Most etfs have way lower fees.

[@NicholasBall130]

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.?

[@StocksWolf752]

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

[@TylerJamestown]

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.

[@LiaStrings]

Fantastic! That sounds wonderful. How can I get in touch with your financial supervisor?

[@TylerJamestown]

Finding financial advisors like Rebecca Nassar Dunne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@dominiclanzillotta8643]

ETFs are objectively better

[@Tchild2]

ETFs, especially the Vanguard ETFs have the lowest fund fees you can buy. The fund managers do not have to make any decisions except to buy the same stocks that comprise the Index that they are tracking. The SPY is a good example. You are buying the S&P 500.

[@victorblanco4499]

Fidelity fees are even lower than Vanguard 😉

[@JakeM218]

He’s talking about the ETF wrapper and what it means. You can invest in an S&P500 index fund, or an S&P500 ETF. They follow the same stocks and have similar fees, but he’s discussing why someone would actively choose an ETF over an Index fund.

[@rctaz990]

I've been investing for just over a year and didn't start until I studied how to do so. My dividend account is the best portfolio I've ever seen, everyone else seems to be wasting time on some companies and time is money my friend, as it were.I'm completely happy with it and will become a millionaire in time with my game plan. My trading account is still growing, and every day, I'm learning. I started with a set of rules I made for myself.

[@FrankS111]

ETFs produce the same results as mutual funds except lower fees.

[@marcenelj]

ETFs have higher fees?

[@stevethecheese]

@@marceneljlower fees

[@dkaik]

Not necessarily true. There are high fee ETFs. There are low fee mutual funds. The actual distinction is actively vs passively managed

[@ilcasti]

@@dkaik BS!

[@dkaik]

@@ilcasti oof. How does it feel to be that confidently wrong? lol. ARKK ETF - 0.75% ER. VTSAX mutual fund - 0.04% EF. An example of an ETF approx 20x more expensive than a mutual fund (remember; all index funds (note I didn’t say index ETF) are mutual funds. Not all mutual funds are index funds). The difference? Actively managed (ETF) vs passively managed (mutual fund). How about you try that again, except this time don’t say something incorrect.

[@Aziz__0]

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.

[@PhilipMurray251]

investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.

[@Damncars456]

I agree. Based on personal experience working with an investment advisor, I currently have $385k 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.

[@Natalieneptune469]

Glad to have stumbled on this conversation. Please can you leave the info of your investment advisor here? I'm in dire need for one.

[@Damncars456]

I work with "Nicole Desiree Simon" as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.

[@Damncars456]

Nicole Desiree Simon is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@user-zb7tg5hi3t]

Mutual fund fees will kill you. ETFs are better

[@mattyHi1892]

The biggest difference is ETFs can be bought and sold throughout the trading day. A mutual fund can’t. Also the expense ratio is significantly higher with a mutual fund because it is actively managed versus passively managed ETFs. Buy and hold an ETF that tracks the S&P 500 like voo for example. The Dow jones like SCHD and the nasdaq like QQQ. Stick with a three fund portfolio until you understand them better then branch out and watch for overlap within the top 10 holdings of each ETF.

[@marcenelj]

Dave, the reason you dont sell your mutual funds at your age is becaue you are a millionaire with multiple streams of income. You dont have to which is not the case for everybody else.. lots of us need that money to survive.

[@Priva_C]

💯

[@insideoutsideupsidedown2218]

If you need money from a mutual fund to survive, you are in the wrong game.

[@marcenelj]

@insideoutsideupsidedown2218 so people who spend their whole lives buying mutual funds in their retirement accounts are not supposed to use it when they reach retirement age? I see

[@DoubleJabSlipRightHand]

​@@insideoutsideupsidedown2218you a bozo

[@Art-is-craft]

@@marcenelj You do not liquidate every investment you have once you reach 65 years of age. You still would be wise to hold some of them.

[@HeckenkampRammutla]

Die Videos sind immer ein Highlight, danke!

[@Fred1294]

If you are not buying and selling, I would just buy simple index funds and just hold them. I don't care if Dave doesn't like them, they work and they are low cost.

[@kellylee514]

ETFS can trade anytime market is open. Expense ratio typically lower. No minimum purchase requirement. Many ETFS are set up to mimic mutual funds/index funds. For example VTI instead of VTSAX. I prefer ETFS. Also some mutual funds are not transferable to other brokerages. Like the fidelity zero fee mutual funds. Or so that’s how I understand it.

[@JehanKateli]

2x leveraged S&P and Nasdaq ETFs are the sweet spot in my opinion.

[@Art-is-craft]

Does your ETFs have shorting contracts?

[@meibing4912]

Would never recommend - ok for gambling, as risk mangement has left the room. Have done leveraged investments and made good money. But only for marginal trades. And I recognize the upside has been luck.

[@Emily_CM]

This is a very good explanation. Thanks Dave and to Deborah, many thanks.

[@CWO-J]

ETFs and Mutual Funds are just different wrappers intended to hold positions. Only difference is the way they trade. Both can be either active or passive in the underlying investment and fees differ on an individual basis. As an investor it’s important to understand first, what is the underlying fund goals and what it is tracking, etc. Or what the fund manager is using for the selection process. Second, what am I being charged in fees. Everything has an expensive ratio and sometimes a load fee or spread cost in buying/selling. It pays to be an educated investor, buy and hold, day trading is not investing.

[@Art-is-craft]

EFTs can have very complicated contracts that even have shorting or promissory’s built into them.

[@imdoc7872]

Just DCA into broad market ETFs and/or low cost index funds. Make sure to set cash aside (cash is good) to buy the dips. Then hold forever. Easy, no sweat investing. If you like individual stocks, I would not allocate more than 20% of your investment money into them.

[@itchyisvegeta]

This is a great question, and Dave gave a great answer for people who listen to this show and are on the baby steps.

[@Rahul-ty7fb]

I had a mutual fund for 3 years and switched to ETFs recently and my gains are already higher in only 6 months (I know this could drop significantly but I'm confident in my knowledge/research). I buy and hold just like Dave.

[@Amirhesamyan]

ETFs are more volatile by definition

[@jdmulloy]

Nothing to do with whether it's a mutual fund or ETF. It's probably just market timing, 2023 the sp500 ended up 20%, nearly recovering to the peak in 2022. It's also possible your old funds were terrible and your ETFs are good low cost index funds.

[@coderider3022]

Complete and utter nonsense. I bet on red ….. I switch to black and I won.

[@CandiceLarsonIV]

I remember when I just got into crypto back in 2019 but later in 2020 I ended up selling it because I was dumb and I didn't understand it. I studied and learned and now I know how it works. Got back into crypto early in 2023 with 10k and I’m up with 128k in a short period of time .This comment serves as motivation for all those who have invested and continue to invest in cryptocurrencies with so many losses, do not give up, cryptocurrencies can change your life. Do your best to connect with the right people and you will surely see changes.

[@CandiceLarsonIV]

Rodriguez Powell 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.

[@CandiceLarsonIV]

he's mostly on Telegrams, using the user.

[@CandiceLarsonIV]

@ProRodriguez2 THAT IS HIS USER NAME

[@EmilyEmmerich]

Wow I have heard so much about him and have been trying to get in touch with him. thanks for the info. His popularly known here in Madrid

[@a32tl]

After investing in ETFs, I will never buy another mutual fund. Although they are similar products, the small differences between them easily propel ETFs into the better choice.

[@josephbentley8212]

Great advice on ETF’s! ETF’s should be long-term investments where you buy and hold. I would recommend investing in one ETF on a regular basis. I’ve seen people buy multiple ETF’s which literally track the same thing which isn’t diversifying your portfolio. Buy an ETF for example that tracks the S&P 500 where you’d put in xUSD amount each month and hold (leave alone) for 20+ years. You’ll see market crashes and booms in that time period for sure, but stay strong and hold until you’re ready for retirement/estate planning etc. Moreover, ETF’s are cheaper and easier to invest in then mutual funds. E.g. you can invest in an ETF yourself without any broker/financial advisor. No worries about brokerage fees/commission or other fees usually associated with Mutual Funds. Keep it simple!

[@FLUFFYJOE13]

Just wanted to say I didn't even watch the video I immediately started running through the comments and this comment really did help me understand what an ETF was. Thank you.

[@earlwilliams5473]

I agree. Mutual index funds makes it harder to get in and out of them. This helps denture spontaneous buying and selling shares.

[@jimmymcgill6778]

So her investment person told her what it was. But she "called" Dave to find out what it is.

[@Dividendflywheel]

Trust factor My wife will do the same thing😂. Is that what Dave Ramsey say’s?

[@Art-is-craft]

@@Dividendflywheel Is it not called a second opinion? Or do people not like that today?

[@Jakkaribik1]

It is called the woman does not want only one man but multiple

[@goldgeologist5320]

Index ETF is better due to low cost versus mutual funds. Active managed mutual funds almost never beat the index! So buy the index ETF.