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32 comments
As usual, Dave gives very little insight as to what would be helpful to people. But instead spends time bragging about himself.
lmfaooo just buy bonds people
The fee structures for ETF's are less than corresponding Mutual Funds. Trading ETF's is far easier as well. How can You, as a so called expert, sit there and pontificate that they are essentially the same?
TO NOT MENTION MANAGMENT FEES IS VERY DISHONEST. You can time the marker with Mutual funds, ETFS, Individual stocks so talking about all that without the huge savings in management fees for mutual funds for long term investor is completely dishonest
I dont know which of these comments are real or fake anymore
Incompetent Dave Ramsey didn’t mention fee’s. I don’t know why I even clicked on this.
Remember everyone: Ramsey draws you in with his shared Christianity, and grifts you with his financial advice
Alright, I’ve got $125K burning a hole in my pocket, ready to make it rain in the market. Stocks? ETFs? Crypto? Or should I just buy a yacht and call it a day? This video better have some answers because I’m trying to be the next Warren Buffett, but without the patience.
I’ve been tracking sectors like AI, and clean energy. Companies like NVIDIA (NVDA) and NextEra Energy (NEE) seem undervalued right now. I want to invest around $400k in stocks but I’m unsure due to market volatility
Ramsey a scammer.
nvesting can feel slow at first, but every dollar put to work is a step toward freedom. Stay patient, stay consistent. The rewards come with time.
You make an excellent case! . I’ll add 1 more point… Seeing my monthly dividend income grow is EXTREMELY motivating to continue investing . Buying growth makes sense intellectually, but during a bear market, watching my growth portfolio shrink…the motivation isn’t as high as it is for dividend investing. A lot of this is psychological!
I am not a financial advisor but I have researched the heck out of ETF vs. Mutal Funds. Dave is 100% correct that most people aren't diciplined enough to leave the dang thing alone once you buy it! For every MF there is essentially an identical ETF… usually with a lower expense ratio. We have a small business and I manage our 401ks and ROTHs. For me it's easier at the end of the year when I do a rebalance of the portfolio if I need to make some adjustments based on our risk tollerance and as we we age. I'm telling you, I've read dozens of books on investing, hundreds… maybe even over a thousand peer reviewed articles on all the ins and outs of investing. When I had a lot of personal knowledge, I hired a financial advisore with a 6/63, 7/72 Principal license, and a tax attorney that used to be a CPA. I didn't hire them to do it for me. I hired them to sit down and talk about what I thought my stategy was and to get their expert advice at an hourly rate not a percentage of my investments. I hired them essentially for the same reason I read all those books and peer reviewed articles, to learn! I call them both on a conference call for 2 hours every year to discuss and learn things that I DON'T KNOW. Did the tax code change? Are rising intrest rates and market volatility maybe something that should be pushing us into other more diversified investments… like maybe this year we just buy another rental property… that kind of stuff. In my humble opinion, if you don't have hundreds of hours to educate yourself thoroughly and build a team you trust… Hire someone to do it for you. I love ETFs, but I use them correctly. I like the lower e/r, I like how easy it is to rebalance, I like that it's easy to tax harvest if that's something that benefits us in a particular year based on income and tax liability. Like Dave says the key is to do it and get in. If your hands off go mutual funds with a broker and get in the game.
I lost over $300,000 investing in $GME and $BBBY last year, which was very depressing. Now, with low risk tolerance, I want to invest wisely this year. I’ve been researching index funds, ETFs, mutual funds, and growth stocks.I want a simple portfolio with about 3 holdings.
This year, I invested 10k in Digital Assets and turned it into six figures within a few months—and it’s still growing. I’ve always been a strong advocate for investing because it’s been incredibly rewarding for me. Looking forward to achieving financial freedom soon. And by the way, you have an awesome content!
I will be forever grateful to you, you changed my whole life and I will continue to preach in your name for the whole world to hear that you saved me from a huge financial debt with just a small investment, thank you Eleanor Johnston
ETF's can be bought and sold at any time during regular market hours, similar to stocks.
ETFs are generally more tax-efficient than mutual funds due to their structure, which minimizes capital gains until shares are sold.
Mutual funds are sold or traded only once per day after the markets close at 4 p.m. Eastern Time.
Mutual funds, on the other hand, may incur more capital gains year over year because they often need to sell portfolio securities to accommodate shareholder redemptions or reallocate assets.
Expense ratios for ETFs and Mutual Funds can vary significantly, but generally, ETFs tend to have lower expense ratios compared to mutual funds. But you always have to look at the expense ratio.
Moving from single stocks to ETFs, tired of the circus. Thoughts on your best possible strategies to hedge a 6-figure portfolio from dwindling please?
Only receive $26,000 a year from my pension, but I am 36 and I do not work. Am I an everyday millionaire… add it up over 40 years.
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 Janet .
With President Trump serving as the 47th president of the United States, there’s significant potential for a major market rally, presenting great opportunities for wealth creation. By investing in Proopsy modular homes instead of keeping your money in banks, you can capitalize on this surge and build considerable wealth. Just by renting them out every month, you can earn up to 100k low-key.
Construction is the real investment. The process of construction and all that documentation can be complicated when you have limited knowledge. However, with the right company and setups like Proopsy, you can be successful. That's the whole point.
Proopsy modular homes are currently a promising investment for the future, and with their recent surge in value and growing stability, they offer attractive returns. However, a lack of understanding often deters potential investors.
Last year, I invested $27k in Proopsy modular homes and made about $40k within the first year for renting it out—and it’s still growing. I’ve always been a strong advocate for pre fabricated homes because it’s been incredibly rewarding for me. Looking forward to achieving financial freedom soon. And by the way, awesome content, brother!
I don't buy insurance because I think it's a form of gambling.
If you hold it forever when will you enjoy it
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.
2008 real estate did not go up. Regarding the stock market, if you buy and hold blue chip companies then you will do well because as there profits increase so does your stock price. Just like any investment you have to do your homework and buy great companies with products or services that are in high demand. Real estate today is too expensive to invest in unless you find a fantastic deal which is very hard to come by.
Ramsey's advice is basically financial training wheels—good for people who have zero discipline and need extreme measures to get out of debt, but terrible for anyone looking to actually build wealth efficiently.
His hate for ETFs is another red flag. He pushes actively managed mutual funds instead, which usually come with higher fees. And guess what? He partners with "SmartVestor Pros" who sell those funds—meaning he likely gets kickbacks from advisors who push his preferred investment style.
So, in the end, he’s not just bad at giving modern investment advice—he’s actively steering people away from simpler, lower-cost, and more effective wealth-building tools just so he can keep his audience stuck in his ecosystem. Feels like a grift, not genuine financial wisdom.
Cool video 👍🏼, but just FYI, there are other investment options, like Moonacy Protocol. Earn on exchanges and get a stable 1.5% daily
ETFs and index funds are your best friends as a beginner. Low fees, built-in diversification, and no stress about picking stocks. Use them as your foundation and branch out from there.
mutual funds is a scam. All the way ETFs. Of course, you should time the market, if you can. Some people can time it well.