Dave Ramsey

At the end of 2024, the market unusually high went up 24%, 25%.

So you'd have 125,000 if you put 100,000 in in January 1.

And at the end of the year, you'd have 125 because it went up 25%.

If you put it in a 12th at a time, you'd have about 111,000.

But if the market went up or went down, you wouldn't be as scared.

But you did not have it invested the entire year, the entire amount.

And so you did not get what the market made the entire year.

Now, if the market goes down 10 minutes after you put it in, which is kind of like Murphy's Law.

It's like God saying, this is a test of the emergency roller coaster riding society.

And see if you can ride the roller coaster or not, right?

Like you're going to have a test, right?

10 minutes after you put the money in, the market's going to go down.

And so you just got to say, I'm not going to look at it.

I'm just going to put it in and it's S&P 500.

And so, you know, we'll see what it does, right?

This year, year to date, as of this broadcast, the market is up 7%.

And it's June.

If it continues on that track, that's going to be about 14, which would be fairly normal.

It's averaged about 11.8%.

And that includes the big dip after the Iran bombing, and then it came back up.