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Inverite Insights Inc

Dave Ramsey, the personal finance expert, is known for his hard-hitting and blunt financial advice. This time, his advice is geared around some important early childhood education topics. Here are the seven things that Ramsey feels every child should hear.&nbsp;
While Ramsey may be an expert in handling money, he's also pretty qualified regarding children because he has his own children, albeit they're all grown up now. Ramsey and his wife, Sharon, have three adult children: Denise, Rachel, and Daniel. Rachel Cruze is also a finance expert and often joins her father on the Ramsey Show. At the same time, Daniel works alongside his father as president of Ramsey Solutions. Hence, it's pretty fair to say that Ramsey and his wife have raised successful children, and Ramsey&#8217;s advice regarding early childhood education is valuable.&nbsp;
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<li>Are you richer than most people you know?<a href="https://www.benzinga.com/money/are-you-richer-than-most-people"> Here&#8217;s the net worth you need at every age to be above average.</a></li>
<li>Can you guess how many retire with a $5,000,000 nest egg? &#8211;<a href="https://www.benzinga.com/money/retire-5mil-nest-egg"> How does it compare to the average?</a></li>
</ul>
In a written post shared on the social media platform <a href="https://x.com/DaveRamsey/status/1737923621719273913">X</a>, Ramsey listed seven things that he believes all children need to hear, and the first thing is "I love you." The second thing you should say to your children is, "I support you," and thirdly, "I am listening." U.S. News reported that a psychology professor at the Stanford University Graduate School of Education, Geoffrey Cohen, believes that positive affirmations can do wonders for children's learning ability, among other things.&nbsp;
For Cohen, positive affirmations like Ramsey's fourth point, "I believe in you," are more than empty praise. Instead, Cohen explained, "It&#8217;s not me as a parent telling my kids you are so smart, you are so wonderful," and added, "Instead me as a parent molding the situation in ways that my kids can exemplify who they are and feel value." U.S. News also reported that Omar Gudiño, a clinical child psychologist, feels that affirmations from parents and teachers "bolster a student&#8217;s sense of self-confidence."&nbsp;
Trending: A billion-dollar investment strategy with minimums as low as $10 —<a href="https://www.benzinga.com/money/fundrise-flagship-fund"> you can become part of the next big real estate boom today.</a>
The fifth thing that <a href="https://www.benzinga.com/personal-finance/24/07/39890114/54-year-old-with-2-5-million-nest-egg-says-his-wife-doesnt-feel-its-enough-to-retire-dave-ramsey">Ramsey</a> believes children need to hear is something more finance-related and right up his wheelhouse. He wrote, "Debt is dumb, cash is king, and the paid-off home mortgage has replaced the BMW as the status symbol of choice." This is an important one for Ramsey, who has long advocated for teaching your children about responsibly handling money. When it comes to handling money, Ramsey believes that money should not be a taboo subject and that children should not be sheltered from financial matters.&nbsp;
In a blog post shared with Ramsey Solutions, he cited a 2017 T. Rowe Price survey that found that 69% of parents are reluctant to talk about money to their children. For Ramsey, the solution for this is to start slow and be honest. This is something that many parents struggle with, especially when faced with questions from their kids about paying for college. During an episode of the Ramsey Show, Ramsey received a call from a man asking whether he is required to pay for his kid's college education.&nbsp;
<a href="https://www.benzinga.com/personal-finance/24/04/38412735/dave-ramsey-against-401k-for-education-your-retirement-savings-come-first-even-before-funding-co">Ramsey had told him</a>, "I don't believe it's a requirement that all parents pay for college for their kids." He added, "You don't have a moral responsibility to pay for your kids' college education. However, you have a moral responsibility to highlight the importance of knowledge." In addition to being honest about money with their children, Ramsey encourages parents to set family goals, let their children sit in on the family meetings, and contribute to the budget within reason.&nbsp;
Ramsey believes that all children need to hear the following from parents, teachers, and other leading figures: "I am here for you" and "You matter."&nbsp;
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<li>Warren Buffett flipped his neighbor's $67,000 life savings into a $50 million fortune —<a href="https://www.benzinga.com/money/advisor-adv-warren-buffett"> How much is that worth today?</a></li>
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Personal Finance

Dave Ramsey Extols The Virtues Of Early Childhood Education, Saying Every Child Should Know 'Debt Is Dumb, Cash Is King'

Last week, President Joe Biden withdrew from the presidential race and endorsed Vice President Kamala Harris, initiating one of the shortest campaigns in modern history. With just three months before Election Day, Harris faces a tight timeline to build her <a href="https://www.benzinga.com/news/24/07/39657200/ex-trump-staffer-shares-texts-to-prove-that-ex-presidents-campaign-settled-to-keep-discrimination-an">policy platform and connect with voters. </a>
To understand how Harris can navigate this condensed campaign, Politico recently <a href="https://www.politico.com/news/magazine/2024/07/26/kamala-harris-campaign-manager-roundtable-00171138">spoke</a> with seasoned campaign managers Patti Solis Doyle (Hillary Clinton's 2008 campaign), Robby Mook (Clinton's 2016 campaign), and Stuart Stevens (Mitt Romney's 2012 campaign).
The experts discussed how Harris should define herself against Donald Trump, attack rather than defend against his potential racist and sexist remarks, and chart a path to 270 electoral votes. They also considered potential vice-presidential picks, with Pennsylvania Governor Josh Shapiro frequently mentioned.
Doyle praised Harris's swift and effective campaign start, highlighting her strong rollout and early achievements.
&#8220;The last 72 hours have been unbelievable in terms of rollout. She locked up the nomination. Within 36 hours, she got the delegates. She got the endorsements from Congress. She got the money. And her first events have been through the roof,&#8221; Doyle said. 
&#8220;I think she's doing it. I think she is being forceful in her prosecution of Trump. I think she's offering a hopeful view of the future. I think she's doing the politics right,&#8221; she added. 
Mook emphasized the importance of leveraging the internet and social media to reach undecided voters, noting the internet as a &#8220;safe space&#8221; for Harris supporters.
&#8220;There's a paradox here. This is a really short campaign, and that is great, because she is rested. She is ready to go. I think time is often your enemy on these, particularly as a quasi-incumbent. But on the other hand, time is short, so the imperative is to lock in, first of all, who is she? And second of all, what is her vision?&#8221; Mook told the outlet.
Also Read: <a href="https://www.benzinga.com/news/24/07/39872154/trump-vs-biden-latest-round-of-polls-all-seem-to-suggest-grim-news-for-this-candidate">Trump Vs. Biden: Latest Rounds Of Polls All Seem To Suggest Grim News For This Candidate</a>
&#8220;I think she's done a very good job rolling that out right out of the gate. But there's a question about calcifying that and pushing it deep. And we know that these — they used to be called double-haters but I think they're just persuadable-again or either-way voters — we know that they have the least information about her and they get their news disproportionately from social media,&#8221; he added. 
Stevens suggested that Harris should attack Trump on his record, particularly on immigration.
&#8220;I think I would challenge the premise of the question that she didn't run a good campaign because she didn't win. Because most people&nbsp;don't&nbsp;win. And she did end up on the ticket, which is the next best thing you can do. She won a very tough race for attorney general. She's vice president of the United States, and now she's the Democratic nominee for president. So how far would she have gone if she was a good politician?,&#8221; Stevens said. 
&#8220;I've always felt that when President Biden was still in this, that there had to be two things that needed to be accomplished that were critical to winning. One was that the Democratic candidate needed to represent the future. And it's clear that the Harris campaign understands that,&#8221; he added. 
Harris must address voters&#8217; economic concerns while promoting her vision for the future. The experts agreed she should focus on change and hope, contrasting herself with Trump's divisive rhetoric. 
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This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.

Politics

Experts Weigh In on Harris's Fast-Track Campaign Strategy Following Biden's Exit: 'I Think She's Done A Very Good Job'

Benzinga examined the prospects for <a href="http://www.benzinga.com/trading-ideas">many investors&#8217; favorite stocks</a> over the last week. Here&#8217;s a look at some of our top stories.
The S&amp;P 500 decreased by 0.8% and the Nasdaq dropped by 2.1%, with both indexes experiencing consecutive weekly losses for the first time since April. In contrast, the Dow saw a 0.8% increase, achieving its fourth straight positive week — a milestone not reached since May.
Small-cap stocks continued to perform well, with the Russell 2000 Index achieving its third consecutive week of gains, fueled by optimism over potential interest rate cuts. 
On the economic front, the U.S. economy grew at an annualized rate of 2.8% in the second quarter, surpassing the expected 2% growth, while a key inflation measure watched by the Federal Reserve fell to 2.5% in June, the lowest since February 2021, reinforcing expectations <a href="https://www.benzinga.com/news/earnings/24/07/39993819/tech-stocks-slide-on-earnings-us-economy-flexes-muscles-small-cap-rally-continues-this-week-in-the-">for a rate cut in September</a>.
Benzinga provides daily reports on the stocks most popular with investors. Here are a few of this past week&#8217;s most bullish and bearish posts that are worth another look.
<h3 class="wp-block-heading">The Bulls</h3>
<a href="https://www.benzinga.com/general/entertainment/24/07/39891426/amc-entertainment-stock-halted-movie-theater-chain-announces-restructuring-of-debt-load-ada">&#8220;AMC Entertainment Stock Halted: Movie Theater Chain Announces Restructuring of Debt Load,&#8221;</a> by <a href="https://www.benzinga.com/author/adam-eckert">Adam Eckert</a>, details AMC Entertainment Holdings Inc.&#8216;s (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AMC#NYSE">AMC</a>) plans to restructure its debt, moving U.S. theaters into a different unit and issuing new secured term loans, while CEO Adam Aron anticipates recovery and growth, addressing recent box office challenges.
<a href="https://www.benzinga.com/markets/cryptocurrency/24/07/39955624/is-dogecoin-really-moving-according-to-plan-prominent-analyst-claims-i-havent-sold-one-sin">&#8220;Is Dogecoin Really Moving &#8216;According To Plan?&#8217; Prominent Analyst Claims: &#8216;I Haven&#8217;t Sold One Single DOGE, I&#8217;ve Just Been Buying,'&#8221;</a> by <a href="https://www.benzinga.com/author/khyathi-dalal">Khyathi Dalal</a>, reports that crypto analyst Ali Martinez asserts Dogecoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/doge/usd">DOGE</a>) is following a historical pattern, suggesting a potential 44% rise, as he continues to buy DOGE without selling.
<a href="https://www.benzinga.com/exclusives/24/07/39886192/exclusive-tesla-an-elon-musk-and-a-technology-story-first-ev-story-last-market-strategist-explains-w">&#8220;EXCLUSIVE: Tesla &#8216;An Elon Musk And A Technology Story First, EV Story Last&#8217; — Market Strategist Explains Why To Buy The Stock,&#8221;</a> by <a href="https://www.benzinga.com/author/chris-katje">Chris Katje</a>, details how market strategist Jay Woods believes Tesla Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) is driven more by Elon Musk&#8216;s technological innovations than its EV business, and why investors should consider buying Tesla stock.
For additional bullish calls of the past week, check out the following:
<a href="https://www.benzinga.com/news/24/07/39891082/southwest-airlines-saved-by-procrastination-how-32-year-old-software-protected-company-from-microsof">Southwest Airlines Saved By Procrastination: How 32-Year-Old Software Protected Company From Microsoft Outage, CrowdStrike Issues</a>
<a href="https://www.benzinga.com/markets/equities/24/07/39939788/buy-the-dip-market-expert-says-recent-pullback-part-of-healthy-bull-market-a-little-tiny-ounce-o">Buy The Dip? Market Expert Says Recent Pullback Part Of Healthy Bull Market: &#8216;A Little Tiny Ounce Of Volatility, It Feels So Foreign&#8217;</a>
<a href="https://www.benzinga.com/analyst-ratings/analyst-color/24/07/39899280/microsoft-stock-has-further-room-to-run-says-analyst-as-software-giant-remains-on-t">Microsoft Stock Has Further Room To Run, Says Analyst, As Software Giant Remains On Track To Hit $200B Cloud Revenue In 2 Years</a>
The Bears
<a href="https://www.benzinga.com/analyst-ratings/analyst-color/24/07/39925881/alphabet-investors-fret-over-margin-impact-of-higher-ai-related-capex-but-fund-mana">&#8220;Alphabet Investors Fret Over Margin Impact Of Higher AI-related Capex, But Fund Manager Says Not Spending Enough Exposes Google&#8217;s Parent To Risk Of &#8216;Losing Their Grip On The Future,'&#8221;</a> by <a href="https://www.benzinga.com/author/shanthi-rexaline">Shanthi Rexaline</a>, discusses concerns over Alphabet Inc.&#8216;s (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOG#NASDAQ">GOOG</a>) (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOGL#NASDAQ">GOOGL</a>) increased AI-related capital expenditures impacting margins, while fund manager Gene Munster argues that not investing sufficiently in AI could jeopardize the company&#8217;s future competitive edge.
<a href="https://www.benzinga.com/news/24/07/39926076/mark-zuckerberg-slams-tim-cooks-apple-after-cupertino-reportedly-rejected-its-iphone-ai-partnership">&#8220;Mark Zuckerberg Slams Tim Cook&#8217;s Apple After Cupertino Reportedly Rejected Its iPhone AI Partnership Proposal: &#8216;They Wanted To Put Us In A Box…,'&#8221;</a> by <a href="https://www.benzinga.com/author/ananya-gairola">Ananya Gairola</a>, reports that Meta Platforms Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>) CEO Mark Zuckerberg criticized Apple Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) for rejecting Meta&#8217;s AI partnership proposal, claiming Apple wanted to limit Meta&#8217;s competitive influence.
For more bearish takes, be sure to see these posts:
<a href="https://www.benzinga.com/markets/equities/24/07/39947663/peter-schiff-says-americans-are-broke-points-to-fords-dismal-q2-profit-they-cant-afford-to-buy-n">Peter Schiff Says &#8216;Americans Are Broke&#8217; — Points To Ford&#8217;s Dismal Q2 Profit: &#8216;They Can&#8217;t Afford To Buy New Cars&#8217; Due To Interest Rates</a>
<a href="https://www.benzinga.com/markets/equities/24/07/39898236/jeff-bezos-era-downstream-impact-losing-its-mojo-amazon-ceo-andy-jassy-is-reportedly-rethinking-">Jeff Bezos-Era &#8216;Downstream Impact&#8217; Losing Its Mojo? Amazon CEO Andy Jassy Is Reportedly Rethinking Alexa Devices Business Model Resulting In Billions Worth Of Losses</a>
<a href="https://www.benzinga.com/markets/cryptocurrency/24/07/39938175/vice-president-harris-snubs-bitcoin-conference-would-have-been-a-disaster-for-her-shrugs-o">Vice President Harris Snubs Bitcoin Conference: &#8216;Would Have Been A Disaster For Her,&#8217; Shrugs Organizer</a>
Keep up with all the latest breaking news and trading ideas by following<a href="https://twitter.com/Benzinga"> Benzinga</a><a href="http://twitter.com/Benzinga"> on Twitter</a>.
This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors. Image created using artificial intelligence via Midjourney.

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