Over the past decade, an investor who put $10,000 into QYLD walked away with a fraction of what a plain Nasdaq-100 index holder pocketed. The fat monthly checks papered over that gap rather than…
If you bought ProShares UltraPro QQQ (NASDAQ:TQQQ) expecting a clean 3x version of the Nasdaq-100, look at the last five years. The index proxy Invesco QQQ Trust (NASDAQ:QQQ) returned 107.69%. Triple that is 323%.…
You bought Schwab U.S. Dividend Equity ETF (NYSEARCA:SCHD) because the sticker price looked unbeatable: 6 basis points, a rounding error. But the fee is the cheapest part of this ETF. The expensive part is…
If you own JPMorgan Nasdaq Equity Premium Income ETF (NASDAQ:JEPQ) for the fat monthly checks, the real cost hides in the price chart, well past the expense ratio line. Over the past year, JEPQ…
Dave Ramsey did not hesitate when a 22-year-old caller named Keegan asked whether he should let a wealthy friend pay off his remaining debt. His verdict: “When you borrow money from someone, you change…
An investor who put $10,000 into FNGU on June 1, 2026 watched it shrink by roughly 28.88% in a single month, while the Nasdaq-100 barely moved. That gap is the product working as designed.…
If you bought WisdomTree Cloud Computing Fund (NASDAQ:WCLD) five years ago hoping to ride the cloud wave, your $10,000 is now worth roughly $5,744. That is the visible cost. The hidden one is what…
If you spent your career as a police officer in one of the roughly 15 states where public employees pay into a pension instead of Social Security, a rule change that took effect in…
The new Trump Accounts program parks starter capital for kids in the State Street SPDR Portfolio S&P 500 ETF (SPYM) by default. It is a sensible pick: SPYM tracks the S&P 500 at rock…
A caller to The Ramsey Show earning $85,000 a year called in with two debt problems layered on top of each other. His own balance had started at $53,000. He told Dave Ramsey, “I’ve…
Here is the uncomfortable truth about the plumbing trade: the journeyman turning wrenches in a hospital basement often walks into retirement with a bigger, more predictable check than the master plumber who owns the…
The launch of federally seeded child investment accounts, informally dubbed “Trump Accounts,” has parents scrambling to pick a single ultra-low-cost equity ETF to hold for 18 years. Two names dominate the shortlist: the State…
On the July 1 episode of The Ramsey Show titled You Aren’t Defined By Your Financial Mistakes, a Charlotte caller named Phillip laid out a mess he had been hiding from himself. Sixteen credit…
The pitch is simple: monthly checks from blue-chip stocks. The reality is quieter. Holders of JPMorgan Equity Premium Income ETF (NYSEARCA:JEPI) have watched a raging bull market pass them by while an options overlay…
The Treasury Department just handed one obscure ticker a windfall no marketing budget could buy. The State Street SPDR Portfolio S&P 500 ETF (SPYM) was named the default investment vehicle for Trump Accounts, the…
Ask a bartender about their 401(k) and you’ll usually get a laugh. Most bars, especially independents, don’t offer one. That’s the trap: bartenders assume “no employer plan” means “no retirement account,” and they leave…
If you run a business and you’re about to buy a heavy SUV, the tax code has a gift waiting for you that most W-2 employees will never see. Search for the “G-Wagon loophole”…
On a recent Ramsey Show segment, a caller named Todd admitted he had run up credit card debt buying Pokemon cards he planned to flip for profit. Dave Ramsey did not soften the diagnosis.…
History says it is coming. A 30% drawdown is part of the contract you signed when you bought stocks. What matters is whether you will still be holding the bag when prices recover. Three…
On a recent episode of The Ramsey Show, a caller named Jack laid out a story that stopped Dave Ramsey cold. After his father died, Jack’s widowed mother spent $1.1 million on cruise ship…
