I feel investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market, because 35% of my $270k portfolio consists of plunging stocks that were once respected, and I'm at a loss for what to do now.
To manage market risks responsibly, distribute investments over many asset classes such as bonds, real estate, and international equities, seek the advice of a professional.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
This is great, I'm glad I got into trading when I did because it was a turning point for me financially it was my best decision ever. All thanks to Mrs Shana Heckel her set skills are amazing.
Amazing to see another who trades with Mrs.Shana Heckel, I am currently on my fifth trader with her and my portfolio has grown tremendously. Your weekly signals are highly profitable
I invest with Mrs.Shana Heckel too, she charges a 20% commission on profit made after every trading session which is fair compare to the effort he puts in to make huge profits.
With the consistent weekly profits I'm getting investing with Mrs Shana Heckel, there's no doubt, She is the most reliable in the market, such a genius
I follow these general simply rules and this has worked amazing for me. Diversify, dollar or pounds cost averaging investing method, portfolio re-balance every quarter with my CFA and I have mainly an allocation fund with mix of SP500 managed ETFs/ index funds. worked out the best for me and my portfolio grew over 245% last year just hit the 7 figure mark..Grateful to Emily Lois Parker.
with inflation worries growing, and the Federal Reserve taking a more hawkish approach to interest rates and bond purchase tapering, a correction is underway.
From my experience, I think it's best to entrust your investing decisions to a FA that will take the time to fully understand your situation and ensure that your investment strategy meets your individual objectives and risk profile. I started investing with a consultant ( James Fletcher Brennan) in october 2020 and currently closing in on a million. Since my goal is to hit 2 million by 2023, I try much harder to be aggressive plus he has introduced me to lots of stock opportunities and real estate deals, so it's working pretty well
took me 5 years to stop trying to predict what’s about to happen in the market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain lol. I just searched your guy on the web. i’m not gonna lie I’m impressed, he’s professional, mature and he’s worked with some really successful people in the past.
Impressive!! Also, I did read about James Fletcher Brennan on the web, I was able to find his webpage and leave a mail. I'm willing to make consultations to improve my portfolio
he really seems to know his stuff. I also found his online page and read through his resume, educational background, qualifications and it was really impressive. he is a fiduciary who will act in my best interest. So, I booked a session with him
James Fletcher B has sent people with swords and dogs to break my legs and rip them off. I am in $14000 investment debt because of their terrible decisions and $68000 in medical debt to treat what they have done to ruin me. Anyone following any of the advice here will be ruined.
Most rich people stay rich by spending like the poor and investing without stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them
Investing doesn't just mean in the stock market, it can be in savings bonds through banks if that makes you more comfortable. You can still invest 15% (if the product allows) and invest for longer terms if necessary. We recently looked into investing in the stock market and learnt about how, why, where, etc and found that the returns including management fees across the majority of both banking and investing platforms in the UK returned less than 4% over 15 years!! We can get much more out of savings accounts and bonds, without paying fees or being taxed on the income! This search was completed at the beginning of January 2023 in the UK where we live, looking into Wealthify, Trading 212, HSBC, Barclays and Santander! If anyone has any idea why this might be or if we have done something wrong, please tell us! We are following Dave's investment model, no single stocks, etc. Xx
It is important to mention that you can start out small and only invest like 5, 10 or 15 dollars a month in small index funds and just let them "marinate" for years
Great advice. I have followed the experience of Warren Buffett. You are investing in a company and not a stock. If the market goes down, ask yourself is the company still good as it decreases in price. If the answer is yes buy more. People make money if they understand a company even in a downturn. Don’t buy what you do not know. You should be able to explain a company literally on a 3”x5” index card (no kidding).
Rachel, an emergency fund is not $1,000.00 anymore, that was back in the 90s and early 2000s now you must save $10,000.00 or $15,000 to build an emergency fund. See back in 1995 if something happened back then all you needed was $1,000 but now those days are long gone. It's actually getting harder now. Also back in the 80s an actor could only be an actor, now an actor has o be more than one thing to be able to survive, they have to be an actor, singer, writer, etc.
If you read her father's book from 2003 and they have it on TH-cam an audiobook far free and he reads it it's very entertaining you would know it doesn't end with a $1000. Or you can watch another video of her dad explain the first step and how you gonna come back to the mercy account afterwards if you want to save more than just do that it's your life no one can tell you what to do.
@@qutielove2208 2003 I was just 16 years old. I didn't know anything about saving for an emergency fund. But now at the age of 38 I do know that $1,000.00 is not enough for an emergency fund. It will take at least $15,000 if you come from a family who has a college degree and $5,000 if you come from a poor family. Back in the 90s things weren't high like there are today that's why I say an emergency fund is no longer $1,000.00 I am just trying to help people out because I come from a poor family and didn't have an emergency fund and lost my sister and my dad at the same time. Yes my sister had life insurance but my dad did not and you still have to pay for the undergarments and clothes. I am just trying to warn people so they won't end up in the same situation I did. Put it this way when a person says something don't always assume it's a person telling you something, sometimes it could be God not me.
In the Kate example, is that assuming she still has an income to invest while the mutual funds are on sale? Would she need to reallocate if she lost her income to stop the losses until she had buying power again?
Thank to Dave . My life Changed 15 years ago. From doing his baby step . I’m not perfect at doing it . I fell off the Wagon . I’m getting back on . Totally debt free . With the house and my rental and my Business and Building properties. But I haven’t put much into more investment . But I’m 62 years old now I’ll be getting my social Security check . I Start Investing most of that . I don’t need it or much of it .
@@martinharval8465 It's a new update on a trading platform, the AI is automated/programmed to predict price dumps and pumps; and it trades your crypto automatically... It stall/pauses trading on a dump market, so there's no risk of lost..
@Mr. Paul That's a good profit though, but trading on bitcoin yields a higher return on your investment, because Bitcoin fluctuates in price and helps the bot gain more profits daily..
I would say it depends on how much extra you have each month. If you have all your expenses met and 12 months saved in bank it wouldn't be crazy to invest even during your "distribution years". This could help build an account in case expenses start to outpace SS adjustments.
Dave recommends everyone stay invested in mutual funds as he does. But today even cash is paying 4% right now in fidelity they expect 10-12% from a mutual fund performance. So it’s really up to you if you take the guaranteed money or take some risk for the larger potential
I was wondering Rachel If I Could skip Baby Step 2 , 5 and 6 and just do baby step 1 , 4 and 7 because in the future I plan on migrating to another nation because its impossible to retire in the united states unless your a Multi-Multimillionaire or Billionaire and Never plan on having Children . I will probably retire in another nation
Amazing video and thank you for breaking it down!! Despite the economic downturn, I'm so happy 😊I have been earning $ 60,000 returns from my $9,000 investment every 21days.
Actually I trade cryptocurrency on a platform, with assistance from their top crypto analysis Lark Davis is my professional assistant, I have been under him for 2years now... I've really made a lot from he's strategies in cryptocurrencies during this period.
I just withdraw my profits a week ago, it was so shocking when I withdrew $32,450 knowing I invested $3,000. I wish I could reinvest but, too much bills 😩
You know I love Ramsey solutions but I feel if someone is over 40 and has debt the order should be, $1,000 emergency starter and then go to baby step 4 of 15% for retirement. I mean if you were 50 and never invested then you need to start right away as you are very late to the game.
Never will I forget june 2008. I invested my first 50K in solid companies.........ouch. Worst thing is, I didn't tell my wife, until she asked. She could feel, I was going through trouble...... Telling her was the worst. Never secret investing again-
@@brianfromdenmark1204 that is why it so important to value your companies and apply a margin of safety. When you apply a hefty margin of safety the chance that you lose money is practically zero.
Warren Buffet has endorsed newer investors trying single stocks. Also Warrenbuying a single stock means he knows what he's doing. Average Joe and Average Janice buying single stocks means they're wasting their time and spending too much time on nonsense instead of being responsible.
I feel investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market, because 35% of my $270k portfolio consists of plunging stocks that were once respected, and I'm at a loss for what to do now.
To manage market risks responsibly, distribute investments over many asset classes such as bonds, real estate, and international equities, seek the advice of a professional.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
This is great, I'm glad I got into trading when I did because it was a turning point for me financially it was my best decision ever. All thanks to Mrs Shana Heckel her set skills are amazing.
Amazing to see another who trades with Mrs.Shana Heckel, I am currently on my fifth trader with her and my portfolio has grown tremendously. Your weekly signals are highly profitable
I invest with Mrs.Shana Heckel too, she charges a 20% commission on profit made after every trading session which is fair compare to the effort he puts in to make huge profits.
This is not the first time I'm hearing about Mrs Shana Heckel and her exploits in the trading world but i have no idea how to reach her.
With the consistent weekly profits I'm getting investing with Mrs Shana Heckel, there's no doubt, She is the most
reliable in the market, such a genius
@@joshbruno3756 She's on tel 'gram
I follow these general simply rules and this has worked amazing for me. Diversify, dollar or pounds cost averaging investing method, portfolio re-balance every quarter with my CFA and I have mainly an allocation fund with mix of SP500 managed ETFs/ index funds. worked out the best for me and my portfolio grew over 245% last year just hit the 7 figure mark..Grateful to Emily Lois Parker.
impressive! love the strategy
I did read about Emily Lois Parkeron the web., quite a great resume she has
with inflation worries growing, and the Federal Reserve taking a more hawkish approach to interest rates and bond purchase tapering, a correction is underway.
Did a quick web search, she has a pretty decent bio, I wrote her and I'm waiting on her reply.
From my experience, I think it's best to entrust your investing decisions to a FA that will take the time to fully understand your situation and ensure that your investment strategy meets your individual objectives and risk profile. I started investing with a consultant ( James Fletcher Brennan) in october 2020 and currently closing in on a million. Since my goal is to hit 2 million by 2023, I try much harder to be aggressive plus he has introduced me to lots of stock opportunities and real estate deals, so it's working pretty well
took me 5 years to stop trying to predict what’s about to happen in the market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain lol. I just searched your guy on the web. i’m not gonna lie I’m impressed, he’s professional, mature and he’s worked with some really successful people in the past.
Impressive!! Also, I did read about James Fletcher Brennan on the web, I was able to find his webpage and leave a mail. I'm willing to make consultations to improve my portfolio
he really seems to know his stuff. I also found his online page and read through his resume, educational background, qualifications and it was really impressive. he is a fiduciary who will act in my best interest. So, I booked a session with him
found his webpage by looking up his name online.... His resume is quite outstanding, I'll be writing a mail to him shortly.
James Fletcher B has sent people with swords and dogs to break my legs and rip them off. I am in $14000 investment debt because of their terrible decisions and $68000 in medical debt to treat what they have done to ruin me. Anyone following any of the advice here will be ruined.
Most rich people stay rich by spending like the poor and investing without stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them
Who's She and how do I contact her directly?
I also needed her info too I’ll write her thanks.
I'm surprised that her name is being mentioned here, I stumbled upon one of his clients testimony on CNBC news last week.
Great advice Rachel! Not to mention you are very pretty too!
5:27 "Now there's a beautiful thing..." 🤗
I would change or move #4 to after #6 I think it fits debt snowball better.
Usually it's insider trading and algorithms.
Agree, but Ramsey Solutions needs to perpetuate the problem to make money
9:25 diversification is for people who have no clue what they are doing
Investing doesn't just mean in the stock market, it can be in savings bonds through banks if that makes you more comfortable. You can still invest 15% (if the product allows) and invest for longer terms if necessary. We recently looked into investing in the stock market and learnt about how, why, where, etc and found that the returns including management fees across the majority of both banking and investing platforms in the UK returned less than 4% over 15 years!! We can get much more out of savings accounts and bonds, without paying fees or being taxed on the income! This search was completed at the beginning of January 2023 in the UK where we live, looking into Wealthify, Trading 212, HSBC, Barclays and Santander! If anyone has any idea why this might be or if we have done something wrong, please tell us! We are following Dave's investment model, no single stocks, etc. Xx
It is important to mention that you can start out small and only invest like 5, 10 or 15 dollars a month in small index funds and just let them "marinate" for years
1$ will feel like 30 cents in a decade.
Great advice.
I have followed the experience of Warren Buffett.
You are investing in a company and not a stock.
If the market goes down, ask yourself is the company still good as it decreases in price.
If the answer is yes buy more.
People make money if they understand a company even in a downturn.
Don’t buy what you do not know.
You should be able to explain a company literally on a 3”x5” index card (no kidding).
Rachel, an emergency fund is not $1,000.00 anymore, that was back in the 90s and early 2000s now you must save $10,000.00 or $15,000 to build an emergency fund. See back in 1995 if something happened back then all you needed was $1,000 but now those days are long gone. It's actually getting harder now. Also back in the 80s an actor could only be an actor, now an actor has o be more than one thing to be able to survive, they have to be an actor, singer, writer, etc.
If you read her father's book from 2003 and they have it on TH-cam an audiobook far free and he reads it it's very entertaining you would know it doesn't end with a $1000. Or you can watch another video of her dad explain the first step and how you gonna come back to the mercy account afterwards if you want to save more than just do that it's your life no one can tell you what to do.
@@qutielove2208 2003 I was just 16 years old. I didn't know anything about saving for an emergency fund. But now at the age of 38 I do know that $1,000.00 is not enough for an emergency fund. It will take at least $15,000 if you come from a family who has a college degree and $5,000 if you come from a poor family. Back in the 90s things weren't high like there are today that's why I say an emergency fund is no longer $1,000.00 I am just trying to help people out because I come from a poor family and didn't have an emergency fund and lost my sister and my dad at the same time. Yes my sister had life insurance but my dad did not and you still have to pay for the undergarments and clothes. I am just trying to warn people so they won't end up in the same situation I did. Put it this way when a person says something don't always assume it's a person telling you something, sometimes it could be God not me.
How does one invest in lobbying Congress? Asking for a friend…
Also, how do I receive bail outs from the government and get 3rd world countries addicted to sugar water? Also asking for a friend…..
These wealthy people don’t invest in mutual funds to become wealthy. They start businesses and lobby congress to eliminate competition.
@@blexaarron well we know about this death trap, you won't sell. Imagine, you want to get Africa addicted to sugar water.
In the Kate example, is that assuming she still has an income to invest while the mutual funds are on sale? Would she need to reallocate if she lost her income to stop the losses until she had buying power again?
Thank to Dave . My life Changed 15 years ago. From doing his baby step . I’m not perfect at doing it . I fell off the Wagon . I’m getting back on . Totally debt free . With the house and my rental and my Business and Building properties. But I haven’t put much into more investment . But I’m 62 years old now I’ll be getting my social Security check . I Start Investing most of that . I don’t need it or much of it .
this was such a great video
*With* *the* *new* *"AI* *trader"* *Investing* *in* *Crypto* *now!* *is* *the* *best* *investment* *for* *2023...* *Yielding* *55%* *daily* *profits* *on* *average..*
I have heard of this AI, How does it work?
@@martinharval8465 It's a new update on a trading platform, the AI is automated/programmed to predict price dumps and pumps; and it trades your crypto automatically... It stall/pauses trading on a dump market, so there's no risk of lost..
Yea, I use the AI too... Been using for some months now, just made $4500 this month.
@Mr. Paul That's a good profit though, but trading on bitcoin yields a higher return on your investment, because Bitcoin fluctuates in price and helps the bot gain more profits daily..
It's a feature on a platform, I was introduced to it by *sir* *Nicholas* *Merten*
I'm retired and living on Social Security. Should I bother to invest now or just keep my money in a high yield savings account?
I would say it depends on how much extra you have each month. If you have all your expenses met and 12 months saved in bank it wouldn't be crazy to invest even during your "distribution years". This could help build an account in case expenses start to outpace SS adjustments.
Dave recommends everyone stay invested in mutual funds as he does. But today even cash is paying 4% right now in fidelity they expect 10-12% from a mutual fund performance. So it’s really up to you if you take the guaranteed money or take some risk for the larger potential
Say you’re at retirement age and 2009 happens, then what? That’s what I’m confused on because a person may not have 10-20 years to ride it out.
What do you mean, the stock market fully recovered in just a few years and has tripled in the 14 years since 2009
Telling everyone to allocate their investments the same way regardless of their age is terrible advice
The real measure of a mans wealth is what he has invested in enternity
I'd view that as what one invests in future generations. And yes, you're right.
And in Saudi Arabia, a woman is worth $50
I was wondering Rachel If I Could skip Baby Step 2 , 5 and 6 and just do baby step 1 , 4 and 7 because in the future I plan on migrating to another nation because its impossible to retire in the united states unless your a Multi-Multimillionaire or Billionaire and Never plan on having Children . I will probably retire in another nation
Amazing video and thank you for breaking it down!! Despite the economic downturn, I'm so happy 😊I have been earning $ 60,000 returns from my $9,000 investment every 21days.
Actually I trade cryptocurrency on a platform, with assistance from their top crypto analysis Lark Davis is my professional assistant, I have been under him for 2years now... I've really made a lot from he's strategies in cryptocurrencies during this period.
Please how do I reach out to Mr Lark Davis? Am from London
I just withdraw my profits a week ago, it was so shocking when I withdrew $32,450 knowing I invested $3,000. I wish I could reinvest but, too much bills 😩
This Mr.Lark Davis must be good,Please how do I get start up with him?
Trade with him and remember to share testimonies with others ☝️😊..🇺🇸🇺🇸
People listen to Kiyosaki if you think of wealth instead of this sh..t which keeps you poor.
you realize kiyosaki is not wealthier than Dave Ramsey, despite being like 15 yr his senior
I do t agree with Kiosaki sometimes; and he’s vague, doesn’t really tell you anything.
@@republicunited2183 Exactly! '' Use debt and avoid taxes'' :P
The rich can invest on anything and anywhere they want.😂
You know I love Ramsey solutions but I feel if someone is over 40 and has debt the order should be, $1,000 emergency starter and then go to baby step 4 of 15% for retirement. I mean if you were 50 and never invested then you need to start right away as you are very late to the game.
If they have not made enough they are already in trouble from the start regardless of age!!!!
Never will I forget june 2008. I invested my first 50K in solid companies.........ouch. Worst thing is, I didn't tell my wife, until she asked. She could feel, I was going through trouble...... Telling her was the worst. Never secret investing again-
What happened? Did you lose all the money?
@@catseyes8377 no - only 50% or so. Luckily they went back up with the rest of the market. But it was pretty scary.
@@brianfromdenmark1204 that is why it so important to value your companies and apply a margin of safety. When you apply a hefty margin of safety the chance that you lose money is practically zero.
First
The background music is SOOOOOOO ANNOYING !! I had to stop watching the video 😢
It might take me a few days to figure out how Kate tripled her money
The Kate example sure does slam your dad’s scare tactic about the beta risk of investing.
Warren Buffet buys single stocks and Bill Gates shorts stocks. Is this the new DR investing advice???
Don't expect honesty from Ramsey Solutions. They just wanted you to click on the video.
Warren Buffet has endorsed newer investors trying single stocks. Also Warrenbuying a single stock means he knows what he's doing. Average Joe and Average Janice buying single stocks means they're wasting their time and spending too much time on nonsense instead of being responsible.