The S&P 500 is down nearly 4% year-to-date while the VIX sits near 27, at the 93rd percentile of its past year’s range. For someone five years from retirement, that equity turbulence is a…
Mid-cap growth stocks occupy a specific and often underappreciated position in a portfolio: large enough to have proven their business model, but still growing fast enough to reinvest aggressively rather than return cash to…
SPDR S&P Biotech ETF (NYSEARCA:XBI) is built around a deceptively simple idea: give every biotech company roughly equal footing, regardless of size. That equal-weight structure separates it from cap-weighted peers and creates both opportunity…
Most investors know they should hold both stocks and bonds. Far fewer actually do it in a disciplined, low-cost way. iShares Core Growth Allocation ETF (NYSEARCA:AOR) is built for exactly that gap: a single…
A couple earning $107,000 gross annually with nearly $300,000 in student loan debt called into The Dave Ramsey Show in March 2026 looking for a way out. Ramsey’s response was blunt: "With your current…
Most investors tilting toward value instinctively reach for large-cap names. The mid-cap value space gets less attention, which is part of why Vanguard Mid-Cap Value Index Fund ETF (NYSEARCA:VOE) has quietly built a compelling…
A couple earning $107,000 gross annually with nearly $300,000 in student loan debt called into The Dave Ramsey Show in March 2026 looking for a way out. Ramsey’s response was blunt: "With your current…
On a March 2026 episode of The Dave Ramsey Show, a caller named Maggie from Sioux Falls described a condo she and her husband owned in California, worth between $375,000 and $399,000, with $309,000…
SPY has spent over three decades as the default answer to “how do I invest in the stock market?” But the fund that defined passive investing now carries a concentration profile that deserves a…
Vanguard Consumer Discretionary ETF (NYSEARCA:VCR) is down nearly 9% year-to-date, but the story behind that number matters more than the number itself. This fund carries the “consumer discretionary” label, yet nearly 40% of its…
A debt-free dad in Wisconsin called Clark Howard with a problem most parents would envy: his daughter has been faithfully paying down a $3,000 car loan for two years, the balance is down to…
A 20-year-old with $50,000 in debt on a $50,000 annual income called The Ramsey Show to ask for help getting out of the hole. The problem: he had made it significantly deeper roughly 12…
VanEck Pharmaceutical ETF (NYSEARCA:PPH) exists to give investors broad exposure to the global pharmaceutical industry without the binary risk of betting on a single drug pipeline. Right now, that diversification is being tested by…
A Pennsylvania father earning around $200,000 wrote to Clark Howard with a specific plan: temporarily switch from Roth to traditional retirement contributions during his son’s college years to keep his reported income below the…
Christopher from Seattle earns $101,000 a year and his wife earns $100,000, putting their household at $201,000 combined income. He wants to run for state representative, which would mean leaving his current job and…
VanEck Retail ETF (NYSEARCA:RTH) gives investors a concentrated bet on the largest retail names in America, but that concentration is precisely what makes it worth understanding before putting money in. With the fund essentially…
Kate called The Ramsey Show with a specific frustration: her husband had switched trucks seven times in six years, changed vehicles twice in the past year alone, and communicated each decision by text message.…
Most investors who want broad U.S. large-cap exposure default to an S&P 500 fund without asking whether they actually want all 500 companies, or just the ones doing most of the work. iShares S&P…
A 28-year-old with a paid-off house, $200,000 in cash, and $250,000 in annual income called Dave Ramsey with a problem that had nothing to do with money: a convicted sex offender just moved next…
At 44, D had just sold his business and real estate, netting roughly $4 million in liquid assets and wondering if he ever had to work again. Dave Ramsey’s answer was swift and, on…
