Dave Ramsey recently took a call on “The Ramsey Show” from a 26-year-old listener worried about the stock market dipping. Ramsey, known for his no-panic approach to investing, quickly put things in perspective.
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‘Not Even Close’ to a Crash
“There’s nothing to indicate that this is a crash. Nothing,” Ramsey said. “The U.S. economy is not imploding and falling in. Not even close.”
He told the caller that the current market situation is more about volatility and uncertainty, not a sign of an economic collapse. Ramsey was direct when pointing fingers at the source of the market’s anxiety.
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Trump and Market Volatility
“The stock market does not like an unpredictable environment, and this is unpredictable as crud right now,” he said. “Because people don’t know what’s going to happen exactly, because I think Trump makes it up every morning.”
Ramsey explained that this unpredictability is fueling short-term swings, but it doesn’t change the long-term strength of the economy or the stock market’s overall growth pattern.
Long-Term View Still Wins
He reminded listeners that the S&P 500 had strong years in 2023 and 2024, with returns of around 23% to 26% each year. A small 6% to 8% drop in the market now, he said, is hardly a crisis when looking at the bigger picture.
“When in doubt, zoom out,” Ramsey’s co-host, George Kamel, advised. He encouraged investors to focus on long-term trends rather than day-to-day headlines: “Time in the market beats timing the market.”
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Personal Example of Patience
Ramsey also shared a personal example: he has about $5 million sitting in an S&P 500 account intended for a real estate purchase. While the account has temporarily dropped by about $200,000, he said he has not “lost” anything because he hasn’t sold.
“If you sell, you take the loss. I didn’t lose anything. I’m just sitting here watching with great amusement the roller coaster ride,” he said.
Instead of pulling money out, Ramsey said he’s “scratching around for some extra money to throw in right now” because he sees it as a chance to buy stocks on sale.
Keep Investing Through the Ups and Downs
He wrapped up with a precise message: “We’re going to invest when it’s up and we’re going to invest when it’s down. We’re going to invest and we’re going to invest. And then we’re going to look up and we’re going to be worth millions of dollars. This is how we do it.”
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