55-Year-Old With $400,000 In The Bank Earning 1% Tells Dave Ramsey She's Terrified Of Investing In Stocks — He Tells Her To Buy A Rental Property
Most people call into "The Ramsey Show" buried in debt, desperate for a plan. But Cheyenne, a 55-year-old widow from Arizona, had a different problem: she was debt-free with $400,000 saved — and was paralyzed with fear about investing it.
"My money is just sitting in the bank," she admitted on an episode titled "I Have $400,000 and I'm Afraid to Invest Any of It." Dave Ramsey didn't even ask the rate — he assumed it was the typical 1%. "You can't leave $400,000 sitting at 1%," he said. "That's why you called."
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Cheyenne explained she'd talked to two financial professionals and done her research, but kept hitting moral roadblocks. "I just didn't want to invest in a McDonald's or a Pepsi or some kind of chemical farming," she said. "I want to put my money where my heart is."
But her biggest fear wasn't just ethics — it was losing it all.
She told Ramsey about a friend who lost $80,000 in one month. "That just feels so out of control for me to put it somewhere where I have no control."
Ramsey didn't hold back: "Your friend was investing in some kind of high-risk something to lose $80,000 in one month. Or she has two million dollars invested — one of the two."
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He explained that the "market" could mean anything — from wild speculation to slow, steady growth. "You don't have the stomach for it," he told her. "You've attempted to gain enough knowledge to get some peace and it hasn't worked."
So he suggested real estate.
"If you had a $400,000 property that someone rented for $3,000 or $4,000 a month, you'd be making a whole lot more than the bank."
But Cheyenne had tried that. She owned two properties during the pandemic and didn't enjoy it. "I didn't lose, but it certainly wasn't worth it."
So if real estate wasn't the answer and traditional stocks felt morally off-limits, what was left?Ramsey recommended she look into the Timothy Plan — a faith-based mutual fund that avoids companies engaged in tobacco, alcohol, or practices they consider un-Christian. "They've done very well," he said, noting a long-term track record. "I don't have money with them, but they've got a fund that's beating the market."
He made one more point: "That bank is paying you 1%. I guarantee you they're engaged in things you don't like."
Cheyenne's story isn't about greed — it's about fear, values, and wanting to do the right thing without sacrificing financial stability. And for anyone who relates, Ramsey didn't offer a formula — just a push: try something manageable. Start small. Understand what you can tolerate. Because eventually, doing nothing becomes its own kind of risk.
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This article 55-Year-Old With $400,000 In The Bank Earning 1% Tells Dave Ramsey She's Terrified Of Investing In Stocks — He Tells Her To Buy A Rental Property originally appeared on Benzinga.com
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