The Ramsey Show (April 8, 2022)




Passing Your Retirement Savings to Future Generations

While no one can predict the strength or timing of our next economic recovery, many experts feel the U.S. may be entering a period of slower, long-term economic growth. Against this backdrop, many parents may have adult children with less earning power or fewer job opportunities than they had themselves. Parents often tell me they are looking for ways to provide their children with more financial security for the future.

Eight Retirement Lessons You Need to Know

Stay on track with these helpful tips on retirement and your finances. This article covers everything from retirement planning to managing debt, and much more.

Creative Financing – Financial Tools and Ideas – Part One

In the recent past-the past twenty-five years or so-banks have been the primary source for real estate financing. Over a much longer period of time, other sources of financing supplemented the banks, and in many situations replaced the banks. These other sources were, at one time or the other, primary sources of financing; their use and importance ebbed and flowed; the determining factor as to which source of financing to use, was the balance existing between the supply and the demand for financing and…

Promissory Notes For Building Wealth Gradually

Promissory notes are great tools for building wealth because they are available in just about any amount, any interest rate, any duration, and any risk factor. They can be individually created and tailored to specific needs and circumstances; they can be purchased individually or in groups; they can be bought for all cash, they can be used as collateral security and borrowed against; they can be bought for a combination of cash and debt. One of the main reason promissory notes are acquired is to…

7 Harsh Realities About Your Money – How to Profit and Protect Your Wealth From the Next Crash

If you’re sick of earning 1% a year on your hard earned savings, fed up of investing with “experts” that can’t beat a blind folded monkey and consistently lose your money but still charge you high fees or have tried a trading system, but failed miserably because it was too difficult, too complicated or just too time consuming… then read on. I am about to expose the secrets the professionals don’t tell you.

The Big Retirement Planning Secret

How do you know if you can retire? This may seem like an impossible question to answer, but in actuality it’s very simple. If you have enough cash, cash flow, and insurance you can take care of everything else.

Convertible Bonds: Hybrid Bond Lets You Get Paid to Wait While Reducing Some Risks

Convertible bonds are a hybrid investment vehicle that helps investors increase income, protect principal and lower the risks of stock investing – an ideal way to add some protection to a retirement income portfolio. Offering a hedge for inflation and rising interest rates, they are one way to help make a bond portfolio inflation-resistant. For those afraid of risk consider this: Staying out of stocks may mean missing a rally while buying in may mean getting hit if there’s a crash. Convertibles let investors have it both ways allowing them a chance to get their money back with interest or earn a bonus from stock market gains.

Wealth Creation Mistakes to Avoid

A few years back I bought a share in a racing horse worth $75,000. That’s relatively inexpensive for a race horse but still it’s not pocket change. I had been reading about a taxi driver who had bought a horse for $900 and won millions off the back of the horse’s winnings. I wanted some of that action. My horse looked powerful with great muscle tone. It was destined to win races. The truth be told, he turned out to be one of my biggest investment mistakes.

Creative Financing – Mortgage Notes and Exchanging

Just because the banks are not lending does not mean we cannot do real estate deals. Before money was invented buying and selling happened all over the world for thousands of years. Bank lending and money is not a necessary component of every transaction.

Planning for Retirement in a Time of Fear

It is change in the world that drive men to excel. Extreme volatility has everyone in the market jumpy and fearful but history seems to indicate that while some were losing their life savings, others made their fortunes. The only thing they did differently was to not be afraid of the change and they actually changed right along with it.

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