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4 days ago
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Dave Ramsey lays into guest for asking why even invest if he might not live long enough to enjoy his riches
Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. Sometimes you can get the best advice by poking the bear. One write-in guest on The Ramsey Show found out the hard way after trying to 'make sense' of Dave Ramsey's investment advice. 'You keep saying to invest $100 a month beginning at age 30 and you'll be worth $5 million at 70 years old,' wrote a man named Isaiah. 'That's the most ridiculous thing I've ever heard.' Don't miss Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 5 of the easiest ways you can catch up (and fast) You don't have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here's how Isaiah pointed out that the life expectancy of a white American male is 72 years old, while for a Black male it's 68, meaning 'most people will never live to see $5 million.' He asked Ramsey to help him 'make sense of this advice.' Ramsey, who called Isaiah 'entitled' and 'belligerent,' said the real issue is the idea 'you're supposed to get rich in 10 minutes.' Here's why investing still makes sense — even if America's lifespan stats suggest many men won't live long enough to enjoy all their savings. Crunching the numbers Ramsey admitted that Isaiah isn't completely wrong about life expectancy, but said he was putting words in his mouth. Ramsey said that saving $100 a month was an example — the idea is to save something every month and start building a 'money mindset.' 'We have never said $100 a month from [ages] 30 to 70 is $5 million — it's not,' Ramsey said, in a recent episode. 'It's $1,176,000, and that would be true of … any 40-year period of time you wanted to pick.' But getting started on that investment journey can be overwhelming, especially if $100 a month isn't possible for you quite yet. The important thing is to start saving with Ramsey's 40-year horizon in mind. With Wealthfront Automated Investing, you can start investing in the stock market with as little as $1. Depending on your risk profile and tax bracket, Wealthfront will create a customized portfolio with low-cost index funds that combines up to 17 global asset classes. You can also opt for automated index investing — helping you build wealth without worrying about short-term market fluctuations. Wealthfront automatically rebalances your portfolio, diversifies your deposits and can help reduce your tax liability by tax-loss harvesting. Even better, up to $500,000 of your deposits with Wealthfront Invest are protected by the Securities Investor Protection Corporation. This means that in the event of a brokerage failure your cash and securities are protected. Get started today and snag a $50 deposit bonus when you open your first investing account and fund it with $500 or more. Once you've established your investment base, that's when you can start ramping up your contributions to move the needle to $100 a month or beyond. Read more: Rich, young Americans are ditching the stormy stock market — What is a money mindset? A money mindset is 'your unique set of beliefs and your attitude about money,' explained co-host Rachel Cruze in a blog for Ramsey Solutions. That mindset 'drives the decisions you make about saving, spending and handling money' and 'shapes the way you feel about debt.' Cruze pointed to a Ramsey Solutions study of more than 10,000 millionaires, which found that 97% believed they could become millionaires in the first place. 'And having that mindset — not an inheritance, fancy education or wealthy parents — is exactly what caused them to succeed,' she wrote. Some people have an 'abundance mindset,' a belief that there are plenty of opportunities for everyone to grow wealth. Others have a 'scarcity mindset,' the belief that resources are limited and wealth is hard to come by. An abundance mindset focuses on possibilities and potential. A scarcity mindset focuses on limitations and fear, which can lead to unhealthy financial behaviors, such as overspending or hoarding. If you want to begin your wealth creation journey but are worried about market uncertainty, consider opting for assets like gold that can be resistant to market shocks. Investing in gold — often regarded as a safe haven asset — can not only help you grow your nest egg but also offer a buffer against market volatility. Opening a gold IRA with the help of Priority Gold can help you combine the inflation and recession-resistant properties of the precious metal along with the tax advantages of an IRA. Priority Gold offers free account set up and storage as well as free insured shipping for up to five years on their platinum package. Plus, Priority Gold offers guaranteed buyback assurance, ensuring you can sell your precious metals without any fees or added headaches. The best part? You can receive up to $20,000 in free silver on qualifying purchases and a complimentary 2025 Precious Metals Guide when you sign up. Shifting your money mindset Changing your mindset is easier said than done. It often means identifying where your limiting beliefs come from — maybe your upbringing or past money mistakes. Then it takes time and self-reflection to overcome them. An abundance mindset means looking at how to build wealth over time. It's not just about saving $100 a month — it's about how you use that money, whether through growing assets, investing or developing passive income streams. 'Millionaires focus on wealth creation, not just income generation,' wrote business strategist and CPA Melissa Houston in an article for Forbes. She added that they 'don't chase quick wins or get-rich-quick schemes.' Instead, millionaires build sustainable wealth 'through investments that appreciate over time' and make sure their money works for them through stocks, real estate and scalable business models. If you want to start investing now, Brokerages like Robinhood allow you to invest in stocks, options and ETFs 24 hours a day, five days a week, without paying any commission on trades. You can also opt for expert-managed portfolios that are proactively rebalanced depending on changing market conditions. When you sign up and open an account on Robinhood using this link, you can get a free stock from a selection of top American companies. For those looking to diversify beyond the stock market, the real estate sector might be worth considering. Real estate often acts as a hedge against inflation, and it can be used to diversify your portfolio against market shifts. Accredited investors seeking to invest in real estate without the hassles of buying, owning or managing properties can tap into the $34.9 trillion U.S. home equity market through the Homeshares U.S. Equity Fund. With a minimum investment of $25,000, accredited investors can gain direct exposure to hundreds of owner-occupied properties in top cities across the U.S. The fund is designed with a 45% downside protection, providing a bit of safety in the event of defaults. With risk-adjusted target returns ranging from 14% to 17%, this approach can provide an effective, hands-off way to invest in owner-occupied residential properties across regional markets. If you're not an accredited investor, or are not willing to invest large sums, crowdfunding platforms like Arrived allow you to invest in real estate with just $100. Arrived offers you access to shares of SEC-qualified investments in rental homes and vacation rentals, curated and vetted for their appreciation and income potential. Backed by world-class investors like Jeff Bezos, Arrived handles all the paperwork and management throughout the lifecycle of the investment, allowing you to sit back and become a landlord without any midnight maintenance calls to fix broken air conditioners or burst pipes. Plus, Arrived distributes any rental income from properties as monthly dividend checks, helping you set up a passive income source from the comfort of your home. What to read next Robert Kiyosaki warns of a 'Greater Depression' coming to the US — with millions of Americans going poor. But he says these 2 'easy-money' assets will bring in 'great wealth'. How to get in now Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here's how Car insurance in America now costs a stunning $2,329/year on average — but here's how 2 minutes can save you more than $600 in 2025 Here are 5 'must have' items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you? Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. This article provides information only and should not be construed as advice. It is provided without warranty of any kind. Sign in to access your portfolio
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6 days ago
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Dave Ramsey Says He Tips Well, But Draws The Line At The iPad Spin. He Calls It A Guilt Trip That's 'Nickel-And-Diming You To Death'
Personal finance expert Dave Ramsey says he's generous with tipping, but there's one thing he won't do: tip when an iPad screen is flipped at him. 'You can flip that screen at me all you want. I'm not tipping,' Ramsey said in a recent episode of 'The Ramsey Show.' However, the hosts went into the nitty-gritty. Tipping Expectations Vs. Guilt Trips The discussion started with a listener's question about when tipping is appropriate in today's world, especially for people who aren't yet financially secure. Co-host Jade Warshaw chimed in first, saying tipping has changed a lot since the pandemic. 'I definitely feel like since the pandemic, tipping has kind of gone into the stratosphere,' Warshaw said, adding that people now face tipping fatigue. Don't Miss: Be part of the breakthrough that could replace plastic as we know it—invest in Timeplast before the July 31st deadline and help revolutionize a $1.3T industry. $100k+ in investable assets? – no cost, no obligation. Ramsey agreed, emphasizing the difference between genuine service and what he views as passive attempts to squeeze out extra money. 'This spin the iPad around is not an exchange,' he said. 'It's a manipulation. I got zero obligations.' Both Warshaw and Ramsey agreed that restaurant servers, hair stylists, and other hands-on service workers deserve tips—and good ones. 'Whenever you're in a restaurant situation where you're sitting down, you're placing an order, there's somebody attending to your table, you should always tip,' Warshaw said. She personally tips 22% and suggests at least 18% as a baseline. Ramsey added, 'Tipping falls in the bucket with generosity. I overdo it to the point that my wife cringes.' Trending: This AI-Powered Trading Platform Has 5,000+ Users, 27 Pending Patents, and a $43.97M Valuation — When Tipping Isn't Required But for counter service, the expectations change. Ramsey said he doesn't tip at places like Starbucks (NASDAQ:SBUX) or Chick-fil-A. 'I'm driving through, you're handing me the Jesus chicken out and I'm gone,' he said. And when he picks up food himself? Still no tip. 'I drove. I walked in the rain, got the queso, got in the truck, went to the house. No, we don't tip that,' he said. He also criticized guilt-based donation requests at checkout lines. 'Do you want to give to the wounded pet association or something? No. If I wanted to give to the wounded pet association, I would have already given them money.' Ramsey said he refuses to tack it onto his grocery total just so the store can claim the charitable Generosity Still Matters Despite drawing hard lines, Ramsey emphasized kindness toward workers who are actually providing a service. He tips hotel housekeeping $20 per day, not just at the end of a stay. He tips valets up front and sometimes again when picking the car back up. And he encourages people to tip delivery drivers well, especially if they say they're working to get out of debt. 'They're bringing you food in the rain while you're sitting on your butt. So double their tip, man,' he said. Warshaw agreed. 'When you go to actual restaurants, I feel like, if you can't afford to leave a nice tip, you shouldn't go,' she said. 'No, that's for sure. Because those people are working for tips,' Ramsey added. In the end, Ramsey says tipping should be based on real service and not social pressure. 'It's nickel-and-diming you to death,' he said of the guilt-based tactics. Read Next: Here's what Americans think you need to be considered Next: Transform your trading with Benzinga Edge's one-of-a-kind market trade ideas and tools. Click now to access unique insights that can set you ahead in today's competitive market. Get the latest stock analysis from Benzinga? STARBUCKS (SBUX): Free Stock Analysis Report This article Dave Ramsey Says He Tips Well, But Draws The Line At The iPad Spin. He Calls It A Guilt Trip That's 'Nickel-And-Diming You To Death' originally appeared on © 2025 Benzinga does not provide investment advice. All rights reserved. Error while retrieving data Sign in to access your portfolio Error while retrieving data Error while retrieving data Error while retrieving data Error while retrieving data
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19-07-2025
- Business
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Dave Ramsey vs. Suze Orman on the 4% rule: Who's right?
Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. The 4% rule in retirement has been a widely accepted retirement standard for over 30 years. The rule states that you should draw 4% of your assets from your investments each year in retirement. This should, in theory, allow you to maintain a comfortable standard of living while continuing to let your investments appreciate in value. However, it seems this longstanding rule could be poised to fall. Don't miss Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 5 of the easiest ways you can catch up (and fast) You don't have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here's how A recently retired caller to The Ramsey Show asked host and finance personality Dave Ramsey if it would be safe to go up to a 5% withdrawal rate in order to pay for trips he and his wife wanted to take in early retirement. Ramsey has said he believes that retirees can earn up to a 12% annual return from mutual funds, and will therefore be safe to withdraw more than the standard 4% per year without jeopardizing their nest egg. He calls the standard rule 'absolutely wrong' and 'ridiculous.' But another finance celeb has a very different opinion. Suze Orman has called the classic 4% rule 'very dangerous.' Orman, a fellow best-selling author and expert, also called for a tweak to the 4% rule in an interview with Moneywise — saying that retirees should only withdraw a maximum of 3% yearly if they are retiring in their 60s. Who's right? Here's what to consider. The importance of retirement accounts Ramsey's advice is based on a number of suppositions that may not reflect the real financial status of the average retiree. Inflation will eat away at the value of your retirement savings, and it's very possible that your retirement years could coincide with a period of higher inflation. That's not to mention the stock market's volatility. Many experts believe a consistent 12% return, like Ramsey has optimistically said mutual funds can deliver, may not be likely. Suze Orman's advice, on the other hand, is more conservative. She advises retirees to withdraw as little as possible from their savings, which is a safer approach. Either expert would argue that the best way to make your money last in retirement is to start saving as early and as aggressively as you can. A gold IRA is one option for building up your retirement fund with an inflation-hedging asset. Gold has historically acted as a hedge against inflation, and many professional investors such as Ben Mallah and Peter Schiff tout it as a solid alternative investment to the stock market and way to diversify your IRA as the price of gold continues to rise. Opening a gold IRA with the help of Goldco allows you to invest in gold and other precious metals in physical forms while also providing the significant tax advantages of an IRA. With a minimum purchase of $10,000, Goldco offers free shipping and access to a library of retirement resources. Plus, the company will match up to 10% of qualified purchases in free silver. If you're curious whether this is the right investment to diversify your portfolio, you can download your free gold and silver information guide today. Read more: Rich, young Americans are ditching the stormy stock market — Boost your existing savings If you're already in retirement, you may want to follow Ramsey's advice on growing your existing savings with safe vehicles like mutual funds. However, many retirees have not considered the benefits of certificates of deposit, whose returns can now exceed 5%. Between 2008 and 2022, when certificate of deposit rates were practically zero, and their appeal to investors about the same, they fell out of favour. But since the Fed started aggressively raised interest rates to combat inflation, certificates of deposits (CDs) have become a hot topic once more. And even though rates are slowly coming back down, these accounts are still worth a look. A certificate of deposit is a low-risk savings account that could earn as much interest as a high-yield savings account, possibly more. However, to earn that higher rate, you'll have to park your money in the account for a certain period of time. Invest for passive income in retirement Dave Ramsey is a huge advocate for finding new passive income streams to pay down debt and build savings. While much of his advice is focused on finding a lucrative side hustle, for those in their golden years, a more relaxed approach may be easier to incorporate. Before you begin investing however, you need a plan. And while Ramsey and Orman make good points on withdrawal strategy, you may need help that's more tailored to your personal situation. If you're unsure of how to navigate planning for retirement on your own, calling a professional give you some peace of mind. simplifies the search process by connecting individuals with an exclusive network of fiduciary advisors, each dedicated to transparency and held to high ethical standards. All you have to do is answer a few simple questions regarding your finances and long-term goals, and will connect you with a vetted expert near you who is best suited for your needs. You can then set up a free, no-obligation consultation to see if they're the right fit for you. What to read next How much cash do you plan to keep on hand after you retire? Here are 3 of the biggest reasons you'll need a substantial stash of savings in retirement 5 simple ways to grow rich with US real estate — without the headaches of being a landlord. Start now with as little as $10 This tiny hot Costco item has skyrocketed 74% in price in under 2 years — but now the retail giant is restricting purchases. Here's how to buy the coveted asset in bulk Financial aid only funds about 27% of US college expenses — but savvy parents are using this 3-minute move to cover 100% of those costs Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. This article provides information only and should not be construed as advice. It is provided without warranty of any kind. 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Yahoo
19-07-2025
- Business
- Yahoo
Dave Ramsey vs. Suze Orman on the 4% rule: Who's right?
Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. The 4% rule in retirement has been a widely accepted retirement standard for over 30 years. The rule states that you should draw 4% of your assets from your investments each year in retirement. This should, in theory, allow you to maintain a comfortable standard of living while continuing to let your investments appreciate in value. However, it seems this longstanding rule could be poised to fall. Don't miss Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 5 of the easiest ways you can catch up (and fast) You don't have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here's how A recently retired caller to The Ramsey Show asked host and finance personality Dave Ramsey if it would be safe to go up to a 5% withdrawal rate in order to pay for trips he and his wife wanted to take in early retirement. Ramsey has said he believes that retirees can earn up to a 12% annual return from mutual funds, and will therefore be safe to withdraw more than the standard 4% per year without jeopardizing their nest egg. He calls the standard rule 'absolutely wrong' and 'ridiculous.' But another finance celeb has a very different opinion. Suze Orman has called the classic 4% rule 'very dangerous.' Orman, a fellow best-selling author and expert, also called for a tweak to the 4% rule in an interview with Moneywise — saying that retirees should only withdraw a maximum of 3% yearly if they are retiring in their 60s. Who's right? Here's what to consider. The importance of retirement accounts Ramsey's advice is based on a number of suppositions that may not reflect the real financial status of the average retiree. Inflation will eat away at the value of your retirement savings, and it's very possible that your retirement years could coincide with a period of higher inflation. That's not to mention the stock market's volatility. Many experts believe a consistent 12% return, like Ramsey has optimistically said mutual funds can deliver, may not be likely. Suze Orman's advice, on the other hand, is more conservative. She advises retirees to withdraw as little as possible from their savings, which is a safer approach. Either expert would argue that the best way to make your money last in retirement is to start saving as early and as aggressively as you can. A gold IRA is one option for building up your retirement fund with an inflation-hedging asset. Gold has historically acted as a hedge against inflation, and many professional investors such as Ben Mallah and Peter Schiff tout it as a solid alternative investment to the stock market and way to diversify your IRA as the price of gold continues to rise. Opening a gold IRA with the help of Goldco allows you to invest in gold and other precious metals in physical forms while also providing the significant tax advantages of an IRA. With a minimum purchase of $10,000, Goldco offers free shipping and access to a library of retirement resources. Plus, the company will match up to 10% of qualified purchases in free silver. If you're curious whether this is the right investment to diversify your portfolio, you can download your free gold and silver information guide today. Read more: Rich, young Americans are ditching the stormy stock market — Boost your existing savings If you're already in retirement, you may want to follow Ramsey's advice on growing your existing savings with safe vehicles like mutual funds. However, many retirees have not considered the benefits of certificates of deposit, whose returns can now exceed 5%. Between 2008 and 2022, when certificate of deposit rates were practically zero, and their appeal to investors about the same, they fell out of favour. But since the Fed started aggressively raised interest rates to combat inflation, certificates of deposits (CDs) have become a hot topic once more. And even though rates are slowly coming back down, these accounts are still worth a look. A certificate of deposit is a low-risk savings account that could earn as much interest as a high-yield savings account, possibly more. However, to earn that higher rate, you'll have to park your money in the account for a certain period of time. Invest for passive income in retirement Dave Ramsey is a huge advocate for finding new passive income streams to pay down debt and build savings. While much of his advice is focused on finding a lucrative side hustle, for those in their golden years, a more relaxed approach may be easier to incorporate. Before you begin investing however, you need a plan. And while Ramsey and Orman make good points on withdrawal strategy, you may need help that's more tailored to your personal situation. If you're unsure of how to navigate planning for retirement on your own, calling a professional give you some peace of mind. simplifies the search process by connecting individuals with an exclusive network of fiduciary advisors, each dedicated to transparency and held to high ethical standards. All you have to do is answer a few simple questions regarding your finances and long-term goals, and will connect you with a vetted expert near you who is best suited for your needs. You can then set up a free, no-obligation consultation to see if they're the right fit for you. What to read next How much cash do you plan to keep on hand after you retire? Here are 3 of the biggest reasons you'll need a substantial stash of savings in retirement 5 simple ways to grow rich with US real estate — without the headaches of being a landlord. Start now with as little as $10 This tiny hot Costco item has skyrocketed 74% in price in under 2 years — but now the retail giant is restricting purchases. Here's how to buy the coveted asset in bulk Financial aid only funds about 27% of US college expenses — but savvy parents are using this 3-minute move to cover 100% of those costs Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. This article provides information only and should not be construed as advice. It is provided without warranty of any kind. Sign in to access your portfolio
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13-07-2025
- Business
- Yahoo
Dave Ramsey: What To Do If Someone Asks for Their Monetary Gift Back
Depending on the closeness of friends and family members, a financial gift can either come as a genuine support or it might come with invisible strings that prove to be more complicated than the money is worth. Only you can make that call. Find Out: Read Next: A young man called into finance expert Dave Ramsey's show, 'The Ramsey Show,' with a related problem: His grandmother had given him and his wife a gift of $9,000 to be used as they saw fit: for wedding planning, toward a home purchase or whatever they wanted, saying that she did not expect the money back. Over time, however, Grandma started fishing for personal financial information, such as how they were doing financially, which made the caller nervous. Soon, Grandma now not only wanted her money back, she wanted it back with interest, to the tune of around $12,000. With a household income, after taxes, of around $70,000, $12,000 is a lot of money for the caller and his wife to pay back. Here's what Dave Ramsey recommended they do (and what lessons can you take away from this story). Ramsey took the side of the caller, saying, 'You do not morally owe her a dime.' He suggested that the caller could just as easily take Grandma to task by reminding her that she had patently called the money a gift and was now reneging on that agreement. He told the caller he would be within his rights not to pay her back. However, Ramsey said he suspected the likely result of doing so was that Grandma would become 'Mt. Vesuvius, because she likes to pull people's strings, and when they don't dance at the end of her string, she has a little fit.' The caller agreed this was likely, given Grandma's history of doing similar things to his parents. Ramsey suggested that a person in this position has to make a choice between keeping the peace and doing what feels 'right' to them, which might include maintaining peace in family or being able to literally go home for the holidays. Learn More: Assuming correctly that the caller did not want to handle emotional upheaval or family drama, Ramsey suggested another alternative, a more practical, if disappointing, choice: to pay Grandma back, even though that wasn't the original agreement. Even within this scenario he urged the caller to think through his options that included making a payment plan and staying tethered to a manipulative relative for a long stretch of time, paying off only exactly the amount 'gifted,' or paying off the total 'plus interest' as Grandma now claimed they owed. The choice was the caller's. If the caller opted to pay Grandma back, Ramsey recommended getting the money paid off as quickly as possible — saving it in an account until it was all there — and making a clean break. However, he did warn that Grandma's manipulations might not stop there. If they paid the extra interest she was now 'charging,' he suggested she might suddenly find a way to keep asking for more. Sometimes, a hard boundary is necessary. It was up to the caller to decide. To recap, Ramsey's suggestions for your choices in a situation where a gift has been given and then rescinded include: Tell the person sorry, you're keeping what was given freely and deal with the fallout. Pay the person back either all at once or set up a payment plan, but only the amount given and not a penny more. Pay back the full amount with interest to keep a complicated relationship from getting worse. If any of these options don't appeal, or don't apply, you can also: Look into mediation with a neutral third party to try to reach a peaceful resolution. Speak with a financial therapist to work out complicated emotions before making a decision. Seek legal advice if the person threatens court action. Write a formal letter clarifying the original terms of the gift and your intended course of action. Get documentation in writing to prevent future misunderstandings if you choose to repay. Establish a firm boundary and step back from communication for a period of time. Consult a consumer protection attorney if harassment or manipulation continues. No matter what option you choose, get it in writing and have it witnessed and notarized. Additionally, it's probably a good time to lean into very clear communication and get everything in writing when it comes to financial gifts. More From GOBankingRates 3 Luxury SUVs That Will Have Massive Price Drops in Summer 2025 The 10 Most Reliable SUVs of 2025 The 5 Car Brands Named the Least Reliable of 2025 This article originally appeared on Dave Ramsey: What To Do If Someone Asks for Their Monetary Gift Back Sign in to access your portfolio
