From our headquarters, Ramsay Solutions, broadcasting from the dollar coral studios. It's that Dave Ramsay show what matters DOM caches. King and paid off home mortgage has taken the place of the Bmw, those status symbol of choice, Andy Ramsay, your host, Rachel Crews, Ramsay personality Number, one by showing author is my colleagues today, you're on the air open funds, a triple eight, eight to five five, two to five: that's triple eight two five five to two Five g,

Ten Dallas starts off this. Our high Jeff welcomed that Ramsay shall thank you so much Are you doing today better than I deserve? How can right on our help? Yes, thank you. my wife and I have made a lot of progress in the relatively short amount of time- are only that left at our house but The actual, like I've done most of it on my own, should not as a thoroughly pushing back on happen. We were attacking their and our other funding, but I do again, it will not bring up the conversations or cheeses none. Really interesting leadership. Not for a cup of tea. an ethics. That's what you then. I know it's gonna, be that much better ones are on the same age and budgets would want looking for some advice on how to get there and that didn't age so going for what do you mean safe but the emergency funds funding retirement. We are moving forward. What do you mean exactly that she does? It won't be on board with return Another very important point is that go to return.

planning our kid college like we're we're starting to embed Betsy likes issues not connecting overcome taking that, make them how we can get on the same page, what I'm doing, ok in funding the retirement fifteen percent of your own comments, you wanting to do less than that, I'm trying to say what her pushed back is or is it just You guys, aren't you not pushing back, she does not pushing forward. I guess what you're saying, as I wrote you a little bit about yet yeah, I mean she is necessary They think about return in as much as I and everywhere young Renard Thirtyth, but spoke like we gotta later start than it should have yet, and I did two yet you have be on the same page in the report, where life well at the fact Got a man you guys got through the hardest stuff from every step. Two and three: that's the exhausting time life. You know when you're living, like that of the fact that you guys got through that together is awesome and

as long as you're, not continuing trying to be as Ellen tents and continuing to sacrifices deeply as you guys have been because maybe subs for fun, six is really really where you can. Let your foot off the gas you guys can go on for vacation. You can replace a car like you can actually start living life a little bit more. It's just that fifty! some of your income going away into retirement and then yes, you're, looking at kids college for the future and all that. But you guys are so young you, you do have sometimes it's gonna breathe. I'm just wondering from her aunt, because I'm probably more like her honestly, I more of a spender I more of a free spirit. So if I was in her shoes and just say, ok, yeah! I am making these sacrifices now, but the point I want to start to live my life. Did you fuck? You guys are having these conversations about doing fun. Things again are obviously more parents covered in that really makes bent. We were very good, though, and transfer the better part of a year knocked out loud. And I could probably learn tat. Take my foot off the gas.

yeah they out could also jump is only as a material. I think I'm hearing- and you tell me if I'm wrong, ok I think I'm hearing you are a super intense nerd, that of the details and you have loved the process of Heaven. go and focusing on it and pushing through and you're like Ninety percent, you, you know you got your foot on them on the gas may be too intense, maybe not, but at least you, you really spend a lot ahead. Space dealing with this and cheese spinning twenty percent heads patient you're spending, ninety percent and just feels kind of like she's a little but apathetic and all it is you're. Like a super nerd did I miss something. They give the now imminent cassettes cover the way it can be, sometimes at my house and I'm freaking dive Ramsay. Ok, so they gather thinks about this stuff all the time, because I teach it all the time and I will make sure were modeling it we're not being hip, the goal that we ve done the stuff and I might, for instance, on our stay plan,

given year I might have forty hours invested and my wife might have forty minutes. when she attends the one meeting that we do want a year will recover our stay plan with the whole family, and then we are the dinner and she's, wondered what for dinner. that's the truth, I'm enough ashore, roundly story, and again I talk about this in my new book, no you're somewhere your money about these tendencies and her tendency probably is just more free spirit and says she, we'll be justice? Does not the thing about that might so inject! That's me like bad in my relationship, my husband is the one that plans are Recent meetings every year with our financial adviser me he's the one that loves dig it into the details, and I do this labelling, and I dont asthma, so yeah, I'm probably on hunting over the whole of Europe. Would you you don't hold once than back? You don't argue to do so. Damn well you're, just not yours, not spending all your focus in your energy on it, because it's just not you not like your favorite hobby, exactly like a five.

My Paypal has just lustrous rats in numbers and look at compound interest. He'd like why- and I go up that. So that's why you? Who are you? What are you doing in my wife that's how it is Jeff issue may never really be a super like you are, but as long as you are talking about things having shared vision, shared goal with Bianca's when we as a family like your on the same team, but If you just me, maybe like that three player, let's just so excited about the came all the time phones, a triple eight eight to five five, two to five. You jump in we'll talk Your life and your money who are just gives away money for free. We do this, the final week to enter our Ramsay Christmas. Give away! This could be. Chance to win our and prize of five thousand dollars to help. You make this Christmas really special, there's! No.

This necessary. You can enter daily to wind, increase your chances of winning the five thousand dollars a diver, amply dot com, slash, give away plazas too late to get life. Changing gifts for your family friends this week only using proximity principle in Rachel's last light number, one best love your life, not theirs, Audio books are only three dollars each three dollars chief and Don't forget you get! Our brand new book are Rachel Brand new book now yours No, your money! You get over a hundred fifty dollars worth the items nooning. do this will soon, because the pre order sale is almost over. The book comes out the first week of January and it'll be done, and you will get a hundred. Fifty dollars for the stop. That includes a book, the audio books, videos during sessions all kinds of stuff there so be sure to check that out with no yourself? No, your money, which is kind of the discussion we just had a minute ago, with a collar, so inner went some cash and save some serious money on your Christmas shopping today at day rams

calm slash, giveaway, no purchase necessary to went again. No yourself! No, your money will be Rachel. Starred number. One best seller not yet because it's not technically MT, but we're up. We shoulda hole bunch of shore, pretty sure. That's where we're headed in Vienna help with that and help her make sure she's on number one on the least you can do that by pre ordering and you get a ton of goodies just for doing them again. Fitted out for the stuff. No yourself, no, your money looks under the hood as to why you do the things you do. What are your money fears? What are your money tendencies and to get over there. We talk a lot about how and what to do a round here, but she's gonna talk about why you do some of the things you do

It's really good and no yourself. The unexamined life is not worth living. Socrates said no yourself. Now your money check it out at night, Ramsay Dotcom, listen! There are some basic things that you should be doing to take care of your family, a roof over their head food to eat, a car to get you from a debate and term Life Insurance term life insurance is an immediate need, no matter where you are in the baby steps, since your family is at no greater risk than when you're. In that the only place I send you for this is to Zander Insurance. They shop all the top insurance companies and their committed deserving. You that's why I use them and have recommended them for over twenty years, gotta Zander dotcom our call eight hundred three

Five. Six, forty to eighty two, Rachel Cruze Ramsey Personality number one best selling author is my co host today. This is the Dave. Ramsey show open phones at eight hundred and eighty eight two thousand five hundred and twenty two, of Christians and Charlotte North Carolina high Chris welcome ram. She shall hate thanks and Rachel thanks for taking my car. And now in an emergency situation and I'm on them and iron baby steps on the agenda in our first off I just wanna. Thank you. We ve been powers. Research for over ten years now, maybe cause to fourteen years the end

going to learn emerging achieved in the shape oriented. Sir, it's a great solace, and ah you are a major part of that show up my my five. We have six kids five year old is a cancer patient. The end is in the ice to you after my surgery, There's been some complications and there's gonna be probably a couple of months later you stay. damn I was really good financial shape, my wife is basically living in the hospital. With my so my question is one of the very ways where I was a little bit days. Ash was awful The emergency fund is inappropriate. You count the end. Do I know if it's no will shut off? My knows, I'm just wondering how do you recommend just

looking into the earth is working to leave? I would like also to stop the medical staff sexual, not as bad as some other just the rest of the expenses. But do you recommend pulling at all out into some boring checking account? You know something where I know I'm not dependent on the market. it's obviously on a girl get right. So just wondering what you're its eyes were dealt with here. I'm sorry I can imagine observation. We got five. Grand babies, one on Rachel, I can get my head around what facing so yeah the purpose the emergency fund is not to make money. The purpose is to give you peace when you have an emergency, which is what you are talking about here, and so The reason I say that he is yes, I'd boil brokerage account today and put in the money market would check running privileges and a debit card so that you can get at it.

just use that as your overflow, whatever you can't cash flow for law style, needs right now. man ease and hotel rooms or whatever it is you ve gotta, have that's not medically related, but is related to this. strain on your family. You that's what this money for my back, that's what all money is for right now, you're here one job cancer right and in any honey we ve got any time we ve got any prayer bandwidth, we ve got any emotional bandwidth. We ve got any religion. oh bandwidth, we ve got any friend of bandwidth. We ve got any church bandwidth. We ve got it all aimed at one thing, beating cancer and show that it consumes your world and it should, it should be our priority. so yeah. I can't you got one job

and so all this money for that an end is not telling us not to ride the market and its not being a brokerage account. It's just sitting there to be able to without thinking about is the market or up market down on it right away for a nanny both done. I need to write a to chart, jet and put him in another city in to get him looked at by somebody bone done. That's what this is for and making sure your wife. Obviously crests has access as well she's in a situation that she needs to pour money out so enough. She somewhere that she has everything she needs. What this does is it gives you power in a situation where your very powerless, because you can control the least you can control the controllable there are very in front of it, that you can control with money in their certainly medical, I notice and healing you can't control, but you you, you can't write it

for that are you would all of us would but Roger. I can help you in all, but we can control that but, like you said the other of the seller Worthing? So my guess is you're gonna run through deductible instantaneously, and you ve got good strong, health insurance, because you're tumblr, several million dollars for three months and also you pediatric right you're right. It's all. We before a diagnosis was back in June, so we had our die or be bought in Oliver maximums long ago, death off there and you just need to keep a good as best. You can keep your brain clear to do it. You need to keep a good audit on medical bill flow because there's a lot of mistakes in billing coming at you, but probably not gonna matter much, even if they doubled up on something adventurous pays it. That's all that matters figures here and be gonna blow through your cooperation or deductibles

so fast in Verona, nature say: you're you're, under that Europe should stop large, pretty quick. So I'm sorry your facing that beyond that's exactly what its for that. You have analyzed, properly in Europe. covering why we wouldn't have brokerage account first pleasures, because it's not there to make money, it's there to protect your life, while your other stuff makes money and that some that that's the direction, I would go well, Just in case you that you are a problem that I re open, phones or trouble, a two five, five, two to five angels in Texas angel. What's up but how are you guys doing great? How can we help and well I need to know, You guys, I am sure my husband the industry that he works. Then he has

in it for about twelve years now, and I'm about the time that we had our first child, which was almost eight years ago and he decided to change companies because we decided as a family that he are Let family could be together as much as possible the the industry he tends to travel on her work and so when he changed the need to change and they were like. Ok, we're gonna, keep you in taxes as much as we can but we can and will in turn, have you come on weekends and that worked out for a while he was for seven years and then last year he changed over to another company, because that other company had guessed. I decided to try and get some of the way that they shut your things, and so he was been going to be going out of state more and that which is not the direction we wanted to be in and I M going find on at this new company told them it be,

ass, a mere how much to get you to come and work for him forget not so much about money about being from with my family. But I know that image industry, that's kind of it, Think ass for birch! That's what we need more importantly, money to us. Yet we are in debt. Yes, and throw that in their real quick with that one can Roma time what your glacier a cherry, The question is Would you advise somebody to stay at a job that they love but is causing severe stress on the family or to try to find something else, because the problem with trying to find something else right now, if you want him to rouse Romania, Geronimo, Yawning Divine, something else, about the way. This whole question has been set up and so the Henry Cloudy. They basically doctrinal cloud, wrote a wonderful book called unnecessary endings

an unnecessary ending. She said you and I, nation ship? Well, that's a person relationship and investment, a job whatever it is. You relationship when you lose hope that in the future is gonna, get better You know he comes home drinking for the fourteenth time. You lose hope that marriage is over. You know, sometimes become somber income for the fourth time. You lost hope that mergers It's when you don't think it's gonna get better. You ended. And so is this a pandemic related thing where, because a pandemic, he said to go on the road he had to work about working hours issue. I dont want work as a pattern, the rest of my life, I mean we ve, been there's some sixteen our days down Rachel has also of I and we ve got a lot of media and stuff today. We're trying to keep people's com they also they want their stupid stuff with their money and so on. If it is just a short term thing, or is this a long term thing in an integrity problem with the company

if you ve lost hope, because it's a long term thing in its integrity problem with the company than its number and look for a job, and you move on and you don't sit there were your feelings. Heart stay and I'll keep talking about it. We valence heard! Then it's on you. You gotta move! If that's what it is, but if it's pandemic any just to dig right now and it's gonna, it's gonna work itself out in a year, then that's probably anywhere. He goes right now cheap money on your Christmas shopping with my favorite shopping tool, honey, this honey is helping pay for one million dollars worth of gifts? That's thousands of prizes each week just add honey to your computer and throw some gifts on your drop list for action, to win Honeywell randomly select winners and give them shopping money no purchase necessary. So

the rules and get started at joint honey, dotcom slide. Ramsay both for joining us America, Rachel Furs, Ramsay Personality, as my colleagues today as we enter the questions about life and money, open phones AAA eight to five, five, two to five actually using Columbus Ohio. I actually, how are you great how you better than I deserve. What's up, so I forget Wanna say. Thank you for your teachings and September my husband, I thought our first home we needed a hundred and thirty five thousand dollars we and she finally end when murky came, knocking at a tune of fifty thousand dollars on our new com. We were able to

for without touching armoured you he should. Thank you so much for that way to go on our question. revolves around babies. That's four five and six may I would like to build a pull born on our property. How do we balance All of that love, saving up to pay cash for holborn. We know it's. Gonna probably causes some around thirty to forty thousand. We want to make sure were paid down on our mortgage, backed or just to find a good balance. Your slow down pay an honor mortgage to build on that I thought you, but I wanted to make sure that that's kind of the right rout, that's what we teach yards is consistent with the baby steps. It would not be if it would be doing it because point of letting you go from intends to intentional and four five and six which allows you to hit, four five and six, but also hit some other goals, could Rachel people to all kinds of stuff in the sector, for sure and improve our paying their houses off on average and seven year. So you guys could maybe slow down

you're to save up this on the side bill? and then go back, maybe throw overboard mortgage. You know throughout its. So again, it is this. It is a balance, but you want to be able to live your life as well, actually won. It wouldn't be different from someone: China, Miranda, two thousand dollar car, and now that I'm in four five and six are moved to fifteen thousand our car. Where do I sign up that thirteen thousand Well, you slow down your baby steps. Six is what you're gonna do not go. Stop filled the fifteen percent to do, there's going to be set for, but you're gonna, it's gonna five and six to some degree, why the other or both in order. Some other family gulls, but you know if you need to move up in our Eu Pole Barnes One vast most probably gonna make the property worth more than one cause. It's a good improvement, especially if you're in farmer gentleman farm situation, so you know in Ohio. I would think it would. It would be worth more than one a cash to do that.

you're, actually adding assets in that sense. For no that's that this is the Can you do it in so you're? Doing everything right, wider, go very well done, in Vancouver, high Nick? How are you. They gave everyone right. How can we help John just one around twenty four years old and dumb. Certainly not. now know that- and I've been following me for a couple years reaches actually are from that and done I'm just wondering because it might work workforce, stable, Kirsty, what government and I couldn't seven percent of the budget They put in April that legal certainty, Anderson and if I should be seen accurate, retired, well, yeah neck were useless the match of what the company does not count towards your fifteen percent, so that eight percent that their matching does not counts. fifteen percent, so I would have an additional you'll have eight more presents to divest output

maybe step forward is you are investing fifteen percent. If you get a match its gravy on the biscuit and that's that extra money in his wonderful, I'm glad you get there, but it's not instead of and so on, because the point is how we gonna end up with money where we're gonna consistently invest out of your cash flow, no more than fifteen percent. you ve got the other money, forgets college and for paying off the house earlier, good, good, well dancers, urges and Providence Rhode, Island, hey George question for Rachel, I did I gave thanks for taking my call. The old I usually retired, and I'm wondering if I could get my lump sum on my attention or I should take the monthly stipend I have a round a million six in my four one case. My only get is a mortgage of about twenty thousand by that decide on a lump sum or the monthly stipend where you are have done incredible, George, how much others did you inherit while I have another,

I am hated another five hundred thousand intractable taxable and stocks that I'm not even touching here. she got several million dollar net worth well done, sir. Very well done well the shot sidebar before at your question is how to write a check out of that account and pay off your house today. You'll feel so much if you won't believe it now, then, as far the lump sum on the pension versus monthly, it's kind of a no brainer- and let me walk you through. Why I would take the lump sum and I would roll it into a direct transfer. A roll over I or I shall only taxes on it today and let it grow tax deferred from this point forward especially, if you're investing in good growth stock mutual funds. and if their mirror mirroring the market, the market is average between eleven and twelve percent, since it started well, pension is growing at a map,

some of about seven percent, because they have all kinds of, the on them that prohibit them from it aggressively. Ok, The second reason is, and the biggest reason you would roll it is when die anyway. I doubt if there survivor, yeah the pigeon is worth three. If you die doing what I'm talking about. You're gonna make more gains on the investment an You die. You keep. The money lay not keep the money. I did have a question on the taxable top that I am holding and taking social security another two years, so I get my own time of age and I was going to drop in income to cover my expenses from that. Should I still believe that that much more take my mortgage derived from Europe if your mortgage rotten out day rather check out that account today and pay the mortgage off. But-

shut up. Your expenses and live out of it and arm and by the way, be outrageously generous to yourself and to others you have several million dollars and the reason you do is because you ve been very responsible and you ve done a wonderful job investing in saving- and you know this is this is the everyday May and aunt Rachel Piazzas. Exactly now that one point six million, it says he didn't any of that part of it right away they analysing what neck the collar before that is. Twenty four no debts, three thousand dollars and funded his foreign cayona thought well, you'll be George here in future, AIDS, that's exactly what I mean is that the math tells you that the component herself that you're investing fifty percent of low income neck, and you get the eight percent of that. That was the question he had ridden yet and if he does, that he'll be George yeah, that's a good points. Paraffin com, which had a before and after picture here with backed about collars rate ready and the thing that we

that we do find when people are able to do that when they are able to hit that two to three million dollar mark, like that. You're almost have to retrain yourself, too make sure your maximum maximizing your outrageous generosity, because that inquiry improves the quality of your life. Are there are almost no depressed, generous people, there's a staff for you. I'd say you were in a year. Were: depression is through the roof, absolutely and all kinds of ass, doktor dawn the diseases of despair in the adoption fire year of twenty twenty show but number one. I wouldn't you. I would be very intentional about my generosity in hand, generosity, not just riding checks to distant things that you don't see. Yet I want you to see some of it in touch some of it and then and is intentionally enjoy it the chain. those of you going crazy in spending all this money and being broke and not having any food is zero. It's not

Your dna anymore for somebody like a George he's there and if you took percent over two million dollars as tuna thousand hours a year. He nano spin anywhere near that. It's not that gas dna. You can do a lot of fun stuff in a lot of outrageous generosity. When you, you know? relax a little bit in those areas, but you know had to be show intentional and In case you so focused its hard to relax that Workers have been tints for forty years. Yes, so I'm putting money aside and any real and that we support Ivan Sex after Gazelle intends to let yourself break let yourself enjoy life young once you get to the government. Stu intentional, and then you go from intentional to legacy here, which is babies. Seven legacy stuff and legacy is learning to relax a little bit

and do the math and it'll give you a lot of peace. This is that every time she.

Frederick peruse Ramsay personality, as my colleagues today open phones, a triple eight eight to five five two to five Joe is weathers. Joe, is in Milwaukee high joke. Welcome to that I am she show before call, I appreciated pursued first time collar five years old and since two thousand and fifteen I made it a priority to invest and I've been doing self investment. Not wish you didn't guidance and I think I'm doing everything white

I'm trying to figure out whether I should now in glass to get professional financial adviser, so two thousand fifteen I started with two hundred thousand currently have about one point: seven million for nine hundred thousand in the book, which account well done. Sir I've done while the same question than applies are much others. Did you inherit euro, So you are not a lot and evil rich person who was a trust fund, baby you're, just naval rich person who saved all his money up. So I did a thousand dollars a month every single month, since two thousand chief keen to you and to abandon account around ok, listen S, there's! No, arguing that if you just keep doing what should you keep doing? You're gonna, a whole lot of money agreed cracking So how are you forty five

and you told me that I'm sorry and there is two million dollars now right. Do you know what one point? Seven one voice total there's some loosen love when you're total, where that sitting in Essen P five hundred when you're fifty two, on average, that's gonna. Be three point: two: fifty nine on average about seven million. That's if you don't, anything and you just. Sitting in an sp five hundred at twelve percent will double over seven years. Temper. A ten percent will double every seven years, show Some people have hundreds average more than that now sharply. And the only question is: what would you get whether financial adviser cause you're the it's not You have to have it to win its predetermine fact. If you just don't draw, car off the road you're gonna be ok right.

yeah. I guess you, your number grew so marching and no one of the smaller number you I paid the one and a half per cent for each. He often do to get number going. The only reason I will pay the one percent for management is, if it gained me more than percent above water, I've done by myself so I can confirm my plan but its broad tax on carbon in the market. I don't need this money for the next five year. So here's what I would like to condemn the whose more more active buying and selling me. I don't even want to answer my turning your account, but they just may need to have their fingers on the pulse of it being a touch more here's what I would do don't get online directed icon click on smart, very little drop down. As to the gas in your area, gals, we recommend go meet with three of them pick one, then came a half million dollars to manage the mushroom

Troll test for three years against your against what you do and then if they can make you more than they cost you for three years maybe you move some. Moreover, there. so I have met with people in the past in the kind of tell me of you what I'm doing it Strangely emergencies, emergency financial. By voting to be proactive and say you, I want you to sell one now, I this or month Alice near light they might they might, but a smart vest reproach, go. Tell you to hold just told if it's my guy that's what I'm gonna do when the market now in March in order that nothing. you know what right now, I'm really glad you does it work Edward, fifty seven days, yeah that during my time I type I blocked and no doubt you only had called it will use them to my mortgage, but I bought a logical to actual funding beyond your mortgage,

two thirty five. You pay that off today So, even at whatever your three and a half percent occur, make it more and more now you're not They pay your mortgage after you have no idea what kind of inside your brain and inside your spirit when you don't have any dad if it was get out in a bar or three and a half percent. You would have already bought a million dollars at three and a half, but that prove that major perceive risk alone. thousand didn't show. If I may, you I'm clean up your mortgage sit down with somebody interview them. What's your look for something with the heart of a teacher, the heart of a teacher and I've got one of our smart, Mr Browser, that is in my corner and call him and talk to him if I want to have a need, if I'm wondering about something, if I want to run a scenario out on something you don't have taught me off, allege we're going to get but Rachel you and wish than meat was more Mr Brown and Europe. Approached that's right, while these people they do this-

day in and day out, but again Joe I'm in he has what has happened like a vanguard account. Would it be. I know it's gonna be five hundred yet so again, you're doing fine. Show if that's what you and continue to do fine, but I think I think running, control experience, would be interesting to say: hey, let's put the son of your three, thousand whenever it is in the market and watch it and see what what's up so adviser does with it verses. Just the traditional vein. Think what your mission is. Some teaching, and you're missing some input at key times. When you want some input, you don't have any bouncing off a little bit. it's all about. Lonelier weird can lonely, but it's a little bit lonely. I want you, and so I've got these people my corner, and you know Chris out, going to sit down and hear our commercial break and we'll talk about something you're Anthony talking to me about a house with a day. So what you know he's got it. We got people about our ideas off of and you know, even though we know the answer to, but it just help

to have somebody kind of work it and Wrestler Russell the problem with one people like this, are any investing world day in and day out again they eat, live and breathe. This they're watching it constantly there and have a good pulse, What's going on, I mean you can read health, food magazines and articles all day long, and we'd be healthy in your eating and really being good shape, but a nutritious could probably right. That's alright analogy. I can't let you probably could get a leg up in owes you get. You know, get I'm gonna get information you didn't have some motivation didn't have, but it's not They show that you're like a loser and the only way you're gonna make it is. Furthermore, if it's quite the opposite, you're gonna do just fine. If you just keep what you're doing at Ireland, for you gotta just fine, but I would get a smart, Mr Pro, a corner to teach you and make you think about. I give you some by the kind of Russell ideas with, but they dont to be somebody by just takes over an end,

well, I'm smart you're not, and I'm going to go to prove to you that I can beat what you're doing. that now that's not what we're talking about here, we're talking about him or her explaining you we're going. Do these things with your managed account and if they meet, objections and historical data used We should outperform your Essen pay, five hundred, which you can do by the way lots of people. My portfolio apple, I'm sorry, I simply five hundred and are still by some vanguard, as some people are still by. Well Vanguard another one to, but I mean five hundred just kind of a place to a safe, predictable place departments and it but you said it's a passive choice. Does you're not actively try to find something move, something this beating it, but there you know over half the fund do not beat the Essen pay five hundred, so you can't just by funds finally made it, but you can find you can buy funds that have a track record of watch the manage them and beat it. My poor fellow,

outperform just be pretty considerably by appointing a half overall year in and year out, and it's nothing really rocket science about it. I'm just picking funds that have a history of doing that, and Watching to make sure they do it now and I think that knowing that investing as for long term, so even jogging forty five and people. Why, like some fascinating staff and its interesting and its intriguing, and, although not usually the boring, but now for the listener- thou, but usually the boar staff over a long period time is much more profitable. Yes, because predictable, you know what's happening, so that's what he would have history, hate not actually adopt yet and by his own coming out of your mouth, he said that it's just steady. It was about what other guy don't set a thousand dollars a month for time at! Did that and you just you, we can get out of tat and he's not pay enough. We can car payment in our two car, Payments and Sally may not got her own bedroom and his house. When you have a payments, you can get

It says he's people were talking to this real people here will set these calls up there just colony. This is the direction we should have a friend or a family member, the needs a daily dose of rambling advice and their life. Let them know about the Ramsay call other day potash. It's a quick of advice about life and money in under ten minutes check out the Ramsay call. Today, wherever you listen, you ve got questions about retirement, investing becoming an everyday millionaire, go bigger and broader, with my man, Chris Open on the gross organ tat. I M excited to be able to talk to you all week in week out we're gonna focus on your calls, and it's going to focus on building well investing and how to become an everyday millionaire subscribe to the Christian open show. Where were you listen about gas hates me

producer of the Dave Ramsay show this.