What Dave Ramsey Doesn't Like About Investing In ETFs

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[@BateserJoanne]

Dividends from the stock market got me into investing. What’s important is that with smart investments, you can live off dividends without selling your stocks. This can also benefit your kids by giving them a financial head start. I’ve invested over $600K in dividend stocks and am still buying more, especially as prices drop.

[@grego6278]

Dividends are great! Sometimes I use mine to buy different dividend and growth stocks to diversify, instead of reinvesting in the same stock. Everyone has their own approach, but the important thing is that you're investing at all.

[@VictorBiggerstaff]

You're absolutely right! With my financial advisor's guidance, I diversified my $400K portfolio across various markets. Despite the downturn, I’ve managed to generate over $1.2 million in net profit through a mix of high-dividend yield stocks, ETFs, and bonds.

[@PennyBernadette]

I need advice on how to rebuild my portfolio and develop more successful tactics. Where can I find this advisor ?

[@VictorBiggerstaff]

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.

[@lolitashaniel2342]

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.

[@BrewerVera]

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.

[@Raymondcraw1967RaymondCrawley]

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.

[@VanessaWilliams-pu8vt]

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

[@Raymondcraw1967RaymondCrawley]

I've been working with ‘’Amy Desiree Irish” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, Look her up.

[@VanessaWilliams-pu8vt]

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.

[@Angelinacortez495]

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

[@donaldwayne7023]

Safest approach i feel to go about 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

[@debbygradley25]

Several individuals minimize 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 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.

[@danieltaylor--65]

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

[@debbygradley25]

“LAURELYN GROSS POHLMEIER ’’ 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.

[@JenniferDavis7630]

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

[@auboisdaline]

Honestly, this situation makes me uneasy, especially with the uncertainty around the economy in 2024. With the possibility of not just a recession but something more severe, I'm unsure about my $130K investment strategy. I'm considering shifting focus to the best ETFs for 2024, but it's hard to know which ones are best given the volatility.

[@BitcoinFx-o6e]

I agree. Even with great opportunities, we should proceed cautiously. Seeking market analysis or advice from certified market strategists is important.

[@gurb6901]

Absolutely, having a solid plan is crucial. My portfolio has doubled since early last year. My financial advisor and I are working towards a seven-figure goal, though it might take until Q3 2024.

[@RebelMusic666]

Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve my financial goals.

[@gurb6901]

Her name is Bonita Jeanette Rodriguez. You can easily find her information to arrange an appointment.

[@RebelMusic666]

Thanks for sharing. I searched for her name and found her website. I reviewed her credentials and did my research before contacting her. Thanks again.

[@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

[@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

[@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.

[@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!

[@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.

[@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

[@DavidBishop-y8m]

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

[@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.

[@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.

[@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

[@diane.moore-]

ETFs offer exposure to a wide range of assets, such as stocks, bonds, or commodities, which can help reduce risk. ETFs, like broad market index, sector-specific, and bond ETFs, are favored for long-term investments because of their diversification, reducing risk while offering growth and income potential.

[@mariaguerrero08]

Many promising stocks across industries are worth tracking. While it's not necessary to act on every prediction, enlisting the guidance of a financial advisor is advisable. They can assist you in determining optimal entry and exit points for purchasing and selling shares or ETFs, ensuring well-timed decisions aligned with your investment goals.

[@ThomasChai05]

I fully agree and place great value on my advisor's role in guiding my daily investments. They excel in both long and short strategies, managing risk for potential gains and protection against market downturns. Their access to exclusive insights and in-depth analysis makes exceeding expectations a regular outcome. In the two-plus years I've worked with my advisor, I've gained over 1.2million dollars.

[@mikegarvey17]

@@ThomasChai05My partner’s been considering going the same route, could you share more info please on the advisor that guides you

[@ThomasChai05]

"Gertrude Margaret Quinto" 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

[@91ScottieP]

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.

[@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.

[@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.

[@MiddleclassAmerican-7220]

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.

[@MiddleclassAmerican-7220]

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.

[@MiddleclassAmerican-7220]

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.

[@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.

[@druid5561]

Dave shows his incompetence a lot when it comes to investing in the markets. Great for financially illiterate people who need help battling debt, terrible for those who are financially smart and have the capital to invest properly.

[@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.

[@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 ………..

[@earlwilliams5473]

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

[@willelliott5052]

Sometimes a mutual fund will require a high minimum investment, like $5M, but an associated ETF with the same composition will require no minimum investment. For that reason, a large chunk of my retirement savings are in ETF's. I also like how I can place an order at the market price at that instant, instead of at the market close.

[@johnhanson2532]

Totally reasonable answer. The title is a bit clickbaity since he specifically says he doesn’t hate ETFs

[@aaronjameswelsh]

Her question wasnt related at all to timing the market. Not sure why the video was spent explaining thats what ETFs are for. by the way, the fees are much cheaper. go the ETFs

[@jeffreysmith6161]

This Is Not an Answer Generally ETFs are way better as they usually charge much lower fees

[@QUEENSBRIDGE_10TH_ST231]

It’s a well known fact that most individual investors and financial advisors don’t outperform the S&P. Do what you will with that information.

[@taz24787]

There's ALWAYS risk in investing, so YES, there is a fraction of gambling.

[@michaelatchison2325]

Dave says not to speculate and time the market. What does he think actively managed mutual fund managers do?

[@amerlin388]

ETF's tend to be more tax efficient (irrelevant if in an IRA), and may have lower management fees. ETF's generally have restrictions on frequent trading; you get out, you have to wait 30 to 60 days to get back in. Remember, 5 out of 5 certified financial planners recommend using a certified financial planner.

[@withwilk7473]

Most people that DCA into index funds like S&P, do not buy and sell or time the market. I have no clue why you would advise people into high fees with a broker. Unless you had some kind of skin in the game.

[@AJohnson0325]

ETFs are better because they have lower fees. VOO and most of the Vanguard funds are managed for almost free. Mutual funds will charge you close to 1% annually.

[@cherylpalian3254]

My broker used to call all the time when the market went down “to ease my fears”. I said when it goes down I don’t look at it. Leave things alone.

[@thedopplereffect00]

I save thousands of dollars every year by not having a broker and just not worrying about it. I'm amazed so many people need that hand holding.

[@cherylpalian3254]

@@thedopplereffect00 I have to have one because I handle other peoples trusts and have to show I’m accountable by taking a professionals advice.

[@Dividendflywheel]

@@thedopplereffect00 It’s sad. But true. I have a colleague at work who built up a 7 figure 401k by himself. Then hit age 60, transferred the funds into a Rollover IRA and started panicking on what to buy. I literally had to hold his hand (over the phone), and build his confidence to invest the money himself. I asked him to pay me the 1% fee he would have paid an advisor 😂. Then I said 1% every year😂😂. He crunched the numbers and thanked me. He was able to use 12 investment options in the 401k to get to over million dollars. Why do anything sophisticated now?

[@jusnaturale]

@@thedopplereffect00 Sorry can you tell me what by mean by broker? I'm just getting into investing and I thought everyone needed to have a brokerage account with a broker to invest.

[@123lowp]

When it goes down, buy calls on SPY that expire next year.

[@CaliToTheCrowd]

The only thing I disagree with Dave on... active vs passive investing... Active investing - any fund where stocks has been cherry picked Is a BIG no-no!

[@JakeM218]

He’s not talking about active vs passive investing. You’ve missed the point of the video. He’s talking about buying and holding rather than buying and selling multiple times per day. You can invest in an S&P500 Index fund or an S&P500 ETF. They both have similar fees, but Dave is specifically talking about how the ETF wrapper works. An ETF lets you buy and sell on a minute by minute basis, so you can buy and sell multiple times per day. You can buy at 9:05am, sell at 9:54am, buy again at 10:41am etc. An Index or a mutual fund is bought and sold when markets close. You initiate a purchase or a sale and you get whatever the market finishes at at close of business.

[@johnb1155]

I agree with Dave here. ETFs should be treated like mutual funds because they are so similar. You shouldn’t time the market with them and there is nothing wrong with them. I’m personally a big fan of them

[@asphaltandtacos]

I am moving to individual stocks in my portfolio. There are no fees or commissions. I know what I own. I am not paying fees and the dividends are consistent compared to what you get from an index fund. The yield on cost can increase with dividend stocks which is a very good thing.

[@freedomworks3976]

I like mutual funds more because you can set up automatic investments where with ETF's you have to make every buy a manual purchase on your side.

[@leosr]

thats not correct. you can invest in both automaticly - just choose the right broker

[@bradcruise6291]

Remember a ramsey certified pro is not the same as a real certified financial advisor. Its like a pizza hut certified doctor. Anyone can make their own certifications.

[@r4rasa]

Dave why dont you list your holding on the Mutual funds and state your fees

[@jaredpraniewicz2998]

Dave should have mentioned the different tax treatment.

[@masterchief5437]

Stay away from Mutual funds with high management fees

[@Jericho9696]

ETFs for taxable brokerage accounts and mutual funds for Roth IRA. I save more money on taxes with ETFs. Index fund is just passively managed and it can be either an ETF or mutual fund like VOO vs VFIAX

[@wmp3346]

Efts have lower fees and can be bought with limit orders

[@kckuc310]

ETF vs mutual fund, ETF are usually better lower expense and lower capitol gains

[@pdxmusl1510]

What im kinda stuck on is the bid ask spread concept and how that effects my investment. Im interested in a vanguard etf. But i do not get the selling aspect of it. I mean looking at one etf. The spread is $0.75. That doesn't sound like a lot but from what im estimating ill have in there by retirement age. Ugh. That spread is thousands of dollar's. Its a big deal. I just want to make sure im headed down tge right path

[@Joethebro101]

I like ETFs better than mutual funds, less fees and I can average down more often.

[@solomonwilson-g4v]

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.

[@prestonflick5359]

Terrible title for this video

[@thomasknight604]

You implied to this woman her advisor was churning her account when he most likely was trying to reduce her internal expenses. Never mentioned an actual difference. Really bad.

[@vikinginger1889]

I am working with Ramsey smartvester pro and they have all told me to do ETFs.

[@martinwegner9802]

Buy it, leave it, be happy

[@CNuzzle]

What Dave doesn’t like is he can’t make money off his smartvestor pros and big load fees on the mutual funds they’ll recommend.

[@Gregtaylor4U]

I recently sold some of my NVDA stock to secure profits, but I'm retaining a portion for the long term. Nvidia's growth potential remains robust. I'm considering diversifying my 6-figure portfolio, but I'm uncertain about managing risks in my next move.

[@Morgansta]

Everyone needs a Margin of Safety in their portfolios and just remember, It's time in the market versus timing the market.

[@LucyMcCauley]

I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.

[@MauveHarris]

While balancing your portfolio allocations, de-risk your investments, support your core holdings, and take some gains. Even managed portfolios don't always perform as well as I would advise, so it's essential to get the advice of a qualified fiduciary; my spouse and I find that this works for us. Net of dividends, we have had over 80% capital growth.

[@ZoeyMillerf]

@@MauveHarris 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?

[@MauveHarris]

@@ZoeyMillerf ‘Dianne Sarah Olson’ is the licensed advisor I use. Just search the name. You’d find her webpage and necessary details to work with to set up an appointment.

[@pataleno]

S&P 500 ETF are like 0.7% fees. I know which one I prefer.

[@jdmulloy]

I was prepared to disagree based on the title, but I think I'm pretty much in agreement with Dave. ETFs are fine as long as you don't day trade them.

[@RobbStonee]

My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk for this year

[@ScottStraw]

Well the bigger the risk, the bigger the reward and such impeccable decisions are better guided by professionals

[@OsborneLatin]

Yes true, I have been in touch with a financial advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.

[@BevanBraselton]

I've been considering hiring an advisor for a long. Could you please direct me to your advisor?

[@OsborneLatin]

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

[@Tnks4cmin]

Thank you for sharing, I must say, Sharon 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

[@Seldz1]

Ummm…Dave has nothing against ETFs…. Yet somehow the title of the video is “What Dave doesn’t like about investing in ETFs”. That’s called click bait

[@TheMatadore]

Dave's International mutual fund has NEVER outperformed the SPX.

[@user-pw9zf7zi9w]

Thanks for the content.

[@JDonzsabres10]

Can i get someone opinion on something? So i want to invest in Vanguard's mutual funds, but most good ones have a 3k minimum that i cannot afford. Would it make sense to simply monthly buy Vanguard ETF's like VOO or VUG until i can get up to the minimum then sell etf's and purchase mutual funds and keep there for long term?

[@Billistac]

He is not giving the full picture. Mutual funds on average have a 1-2% fee and ETFs have 0.04% fee. Thats a difference of almost $2000 a year per $100k invested. Why did he fail to mention the difference in fees?

[@aaronjameswelsh]

follow the money...

[@smartfreak7105]

The amount of bots in the comments asking where to put six figures and answering themselves with a scam FA is crazy on these finance videos

[@zaraustra]

I have ETFs and I never sell them either they are not going to be touched for decades. Mutual funds are a rip off.

[@scotthetrick5057]

Dave fails to mention that many ETFs have significantly lower fees than similar mutual funds.

[@SuperWhofan1]

Who the hell buys managed fee mutual funds these days??????

[@nicstevens6499]

Good advice from Dave.. however his 4 funds approach, and his sponsored financial advisors that he get's kick backs for and insurance.. uh noooooooooooo... Remember Dave is rich because he has the "Dave Ramsey Business" once you make millions on books, real estate, talk shows its pretty easy to toss a few mill into any fund and make money.

[@BuddyDog9267]

Dis is Y we dont like "RAMMER da SCAMMER" 😮

[@9427173312ful]

90% mutual fund can not match it out perform market in 10 to 15 years. And 10% who does it’s like unicorn 🦄. 😊

[@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.

[@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

[@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.

[@caseycantrell-gh6fg]

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.

[@Donnafrank-k6e]

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

[@caseycantrell-gh6fg]

@@Donnafrank-k6e 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.

[@Donnafrank-k6e]

@@caseycantrell-gh6fg Oh please I’d love that. Thanks!

[@caseycantrell-gh6fg]

@@Donnafrank-k6e Clementina Abate Russo is her name.

[@caseycantrell-gh6fg]

Lookup with her name on the webpage.

[@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

[@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.

[@Danielchirs]

I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.

[@Sofiarita-m9w]

You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.

[@doran-f6w]

You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.

[@Bismarksolomon]

Talking about a financial market specialist, do you consider anyone worthy of recommendations? I have about 100k to test the waters now that large cap stocks are at a discount... Thanks

[@doran-f6w]

“NICOLE ANASTASIA PLUMLEE’’ 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.

[@Bismarksolomon]

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.

[@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 🇺🇸🇺🇸🇺🇸

[@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 Mildred Lopez

[@KimRobert-]

She’s on Telegrams And Instagram

[@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.

[@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...

[@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

[@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

[@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.

[@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

[@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

[@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.

[@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".

[@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.

[@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

[@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

[@ElizabethThomson-o5l]

True, I almost gave up due to constant loses but Timothy turned my luck around..

[@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

[@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.

[@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

[@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]

This is he’s telegrams user name

[@AliceAnderson-in1et]

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

[@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.

[@TB7-X]

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]

@@TB7-X yeah literally all of that is the opposite and complete bullshit. Mutual funds are horrendous

[@TimStout71]

@@TB7-X 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]

@@TB7-X 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.

[@BernardinoJavier-f3s]

You work for a 40yrs to have $1m in your retirement, meanwhile some people are putting just $10k in a bitcion coin for just fe months and now they are multimillionaires thanks to Charlotte Grace Miller

[@BernardinoJavier-f3s]

she's mostly on Instagrams, using the user name

[@BernardinoJavier-f3s]

FXMILLER195 💯.. that's it

[@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.

[@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

[@ArashHildeman]

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.

[@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

[@anatolyivan]

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.

[@caryn-o3e]

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.

[@jahhflies]

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

[@chrisrosario-kb3nw]

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

[@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

[@MiddleclassAmerican-7220]

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.

[@MiddleclassAmerican-7220]

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.

[@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.

[@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.

[@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.