Real Estate vs. Stock Market - Which One Will Make Me More Money?
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Dave, should I open a roth ira ?
Amazon is over 3000 and Tesla over 1500. You could have bought 10 houses if you invested in them 5 years ago
@@Jesusislord930 True, but you don't live in the past. Don't forget about all the companies which stock price crashed. That's just gambling as you don't know for sure how those companies will do in the future.
I don't agree with Ramsey's assessment of the value of a stock. There is nothing except the perceived price/value which causes the stock price to go up. Nothing is linking it to the profit of the company except what people feel its valued as. As long as people think its valuable, then it will go up.
@@mek86 same thing can be said about real estate. Go to a ghost town in northern Japan, you can find many houses worth nothing. It is all supply and demand like stock.
Overall, 51% of traders think this year would favor stocks, mutual funds, and other equity-based investments, despite Treasury yields and other safer cash-like investments paying big. Iâm looking for opportunities in the market that could fetch me $1m ahead of retirement by 2025
Look for stocks that have paid steady, increasing dividends for years (or decades), and have not cut their dividends even during recessions. Alternatively speaking to a certified market strategist can help with pointers on equities to acquire
True. Having the right financial planner is invaluable. My portfolio is well-matched for every season of the market and recently hit 90% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q3 2024.
Iâve been down a ton, Iâm only holding on so I can recoup, I really need help, who is this investment-adviser that guides you
'Linda Aretha Reeves' is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.
Asking a real estate agent whether you should buy a home right now is like to asking an alcoholic whether they think you should have a drink lol. Homes in my neighborhood that cost around $450k in sales in 2019 are now going for $800 to $950k. Every seller in my neighborhood is currently making a $350k profit. Simply unreal. In all honesty, deflation is what we require. The only other option is for many people to go bankrupt, which would also be bad for the economy. That is the only way to return to normal.
Home prices will come down eventually, but for now; its best to offset some of your real estate investments and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes. If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
this is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
My CFA ââMarisa Michelle Litwinskyâ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Appreciate this recommendation, hopefully I can get some insight to where the market is headed and strategies to beat the downtrend with when I hear back from Marisa.
In spite of how everyone is frightened and calling the crash, there is already an excessive amount of demand waiting to absorb it, which is another reason it's less likely to happen that way. This forecast was not made in 2008, at least not by the general public, as I will explain below. The ownership rate peaked in 2004, according to the other comment. We reached a peak in the second quarter of 2020 and are currently at the median level. From 2008 to 2012, it fell by 3%, and in the second quarter of 2020, it dropped from 68 to 65. how can a young man with 200K survive?
Find stocks with yields that exceed the market and stocks that, at the very least, follow the long-term market trend. However, you should get guidance from a financial advisor if you want to create a successful long-term plan...
Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2019, and I return at least $121k ROI, and this does not include capital gain.
Mind if I ask you to recommend how to reach this particular coach you using their service? Seems you've figured it all out unlike the rest of us.
Vivian Carol Gioia is the licensed advisor I use. Just research the name. Youâd find necessary details to work with a correspondence to set up an appointment.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?
Adding JEPI and JEPQ are smart additions in my opinion. As for staying committed to higher-risk investments, it's all about balancing your risk tolerance with your long-term goals.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds. thatâs what works for my spouse and I. We've made over 30% capital growth minus dividends.
I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.
Rachel Sarah Parrish is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
You might not have a hundred million dollars to invest, but that doesnât mean your money canât share in the same opportunities available to others. You work hard for your money; make sure your money works hard for you.
The wealth you pass to the next generation can have a profound impact on your heirs, providing educational opportunities, the capital to start a business, or financial support to your grandchildren.
To manage investment risk, consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal. Remember, diversification is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline.Because investing can be complicated, consider working with a financial professional to help guide you on your wealth-building journey.
can you endorse any ?
Angela Lynn Schilling, does a perfect job. look her up on the web
Angela Lynn Schilling is the licensed advisor I use. Just research the name. Youâd find necessary details to work with a correspondence to set up an appointment.
I sold a couple properties in 2020 and I'm waiting for a house crash to happen so I buy cheap. In the meantime, I've been looking at stocks as an alt., any idea if it's a good time to buy? I hear people say it's a madhouse and a dead cat bounce right now but on the other hand, I still see and read articles of people pulling over $225k by the weeks in trades, how come?
I advise you to invest in stocks to balance out your real estate, Even the worst recessions offer wonderful buying opportunities in the markets if you're cautious. Volatility can also result in excellent short-term buy and sell opportunities. This is not financial advice, but buy now because cash is definitely not king right now!
Soon, cheap homes won't be cheap anymore because prices today will look like dips tomorrow. I think inflation will cause panic until the Fed tightens its grip even more. You can't just pull the band-aid Off half way. Booms and busts are the ups and downs of the economy, and they will affect any investments. If you are at a crossroads or need honest advice on the best steps to take right now, it is best to get counsel from a financial expert.
Fantastic! That sounds wonderful. How can I get in touch with your financial supervisor?
Sharon Lee Peoples is the manager I use. Just research the name. You'd find necessary details to set up an appointment.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
A stock never calls you about a broken toilet at 1 in the morning
Maybe have a property manager?
@@JDrocks4ever A "property manager" (AKA employee) Which will considerably cut into your profits.
A stock will never stay in your place without paying rent! LOL
@Your President you can't beat real estate for saving on taxes
neither do my houses
Investors looking for a steady income stream should consider stocks with a high dividend yield. This can provide a relatively stable source of income. I've bagged a total net income of $540k between September 2023 to May to 2024.
The problem I have is understanding the systemic risk involved with a company's stock, stock's price movement, chart analysis can be complex too.
@@LarsBergstrom-uh2eu Yea, those can be pretty complex. look for simple cues such as a dedicated investment advisor.
@@user-sb6po3yj7d If this means more informed decisions and potentially reducing my losses in a booming stock market, i will need your suggestion/help
I need to potentially reduce my losses in a booming stock market, Pls suggest any advisor you know of which I can speak to.
@@LarsBergstrom-uh2eu Kristin Amy Rose is the investment guru I use. Just research the name. You'd find necessary details to work with a to set up an appointment.
you'll thank me later.
I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However Iâve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I donât know if I should sell everything, sit and just wait but watching my portfolio dwindle away is such an eye -sore.
There are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
MICHELE KATHERINE SINGH is the licensed advisor I use. Just research the name. Youâd find necessary details to work with a correspondence to set up an appointment.
My needs are kind of unique and complex. I'll contact her nonetheless, and I hope I'm able to make something out of it.
Acquiring knowledge about personal finances and investing can empower individuals toward greater financial independence. Informed decision-making regarding saving, spending, and investing is key. Notably, a trader achieved over $350k amid the current market.
It may be a good idea to speak with a financial advisor who can help you develop a portfolio based on your individual goals and risk tolerance.
Having an investment advisor is the best way to go about the stock market right now. I was going solo, but it wasn't working. Iâve been in touch with an advisor for a while now, and just last year, I made over 80% capital growth minus dividends.
Hope you don't mind if I ask you to recommend this particular professional you use their service?
There are many independent advisors to choose from. But I work with Monica Shawn Marti and we've been working together for almost four years and she's fantastic. You could pursue her if she meets your requirements. I agree with her.
I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip
Caller: stocks or real estate?
Dave: sell the car
And every month take the payment savings and invest in a growth stock mutual fund?
âWhat were you thinking?â
YOUâRE WRONG
DONT BE STAGNANT
THAT'S STUPID
To obtain financial freedom, one must either be a business owner, an investor or both, generating passive income particularly weekly or monthly basis. That's The key to being financially stable
I'm celebrating a $30k stock portfolio today. I started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me
There are many assets that can make you gain financial freedom even after retirement
*FX
*STOCKS
*GOLD
*BITCOIN
*REAL ESTATE
You're right but a lot of people remain poor due to ignorance
Not because of ignorance, it's because of the high rate of unprofessionalism in the crypto market
Crypto is a whole different ball park. I would only invest funds in it that you are willing to lose or dont need. In terms of day trading crypto I don't keep an eye on anything at the moment except XRP. Wouldn't be right guy for day trading crypto
I'm in my 50s and I'm more interested in investments that could set me up for retirement , I mean I've heard of people that netted hundreds of thousands during these crash, I listened to someone on a podcast who earned over $650K in less than a year, what's the strategy behind such returns?
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
MEGHAN MAUREEN KRISTENSEN is the licensed fiduciary I use. Just research the name. Youâd find necessary details to work with a correspondence to set up an appointment..
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
@@SheilaAnnerego Does this fiduciary work off of a % fee or a fixed fee?
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Charlotte Miller.
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
The very first time we tried, we invested $1000 and after a week, we received $7500. That really helped us a lot to pay up our bills.
I'm new at this, please how can I reach her?
Most people are retiring this year and has nothing to show for. But I assure you it's never late to get your financial life together again.. All thanks to Charlotte Grace Miller for I and my family
I retired at 45. Had I never owned real estate I could have retired at 39. Real estate has always been the worst part of my portfolio. Hidden costs, maintenance, and headaches galore.
Mitchell are stocks what allowed you to retire at 45 ? Trading ?
@@angelaperagine9041 Hey angela im 23 and thinking about getting a rental can you clarrify . Also do you think buying a good reit is better than the actual property
@@angelaperagine9041 why is that? I own a rental property no regrets so far
Exactly
Itâs not even close. Most people that own stock make $0 in monthly income. While Iâm approaching $10k/month in rental income. 0 is never better
I've been watching the housing market closely, Prices have been skyrocketing for years. It's going to be tough for first-time buyers to enter the market." how can one diversify $280k reserve .
I agree, It's not just the prices, but also the increasing interest rates that are making it more difficult for people to afford homes. With a good FA you can make up your portfolio.
The housing market has always had its ups and downs, but it's true that this time feels different. Having a portfolio manager will save you a lot in the market , My portfolio currently has 200% increase last couple of months with the help of my advisor.
in times like these, it's crucial to be cautious and not rush into the market , Who is this your FA , my portfolio needs urgent attention , been a lot of lose.
Her name is âVivian Carol Gioiaâ can't divulge much. Most likely, the internet should have her basic info, you can research if you like
I just Googled her name and her website came up right away. It looks interesting so far. I'm going to send a mail to her and let you know how it goes.Thanks for sharing truly!
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
Hi. Iâve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks
@@Lourd-Bab However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments
@@lennoxmutterick6434 Oh please Iâd love that. Thanks!
@@Lourd-Bab Judith Ann peace is her name
Lookup with her name on the webpage.
For someone like me who doesnât have enough cash for real estate, stocks are perfect.
Look into REITS if you want exposure to real estate. Even if it's non-qualified divs you get 90-100% of all rent into your pockets with no corporate tax.
Lol can you save up 10K?
Kevin Chong which reit specifically?
@@anonymoususer4376 whats REITS?
Youâre better off saving for a house and investing in index funds
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
After I raised up to 125k trading with her I bought a new House and a car here in the states also paid for my son's surgery
Glory to God shalom.
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
I'm new at this, please how can I reach her?
The very first time we tried, we invested $1000 and after a week, we received $7500. That really helped us a lot to pay up our bills.
I am a finance student and Dave just went over easily like a whole month of material in this video
I believe that you should have both. I try to keep an average of 70% Real Estate and 30% Mutual Funds or ETF's. One thing that Dave didn't touch on, here, is liquidity. If you absolutely and unexpectedly need cash now (more than your emergency fund), then Mutual Funds and ETF's are a lot quicker to liquidate and less expensive too. It could take months to sell a house. I had 1 rental that took me 4 months to sell. During that 4 months, I didn't have a renter and I had to keep paying the mortgage on it. Also, properties are very expensive to maintain. I usually budget 20% to 30% of a property's revenues to go towards repairs or upkeep. I hope this helps.
Tell me more...
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Hmmm, I completely disagree and Iâd rather take Buffetâs advice(Donât buy Real Estate). If I chose the right stock/real estate, most likely Iâd get 10-25% growth yearly and I can re-invest those profits. While in real estate, there are hidden costs, maintenance costs, headaches, taxes, tenants headaches, realtor fees, etcâŠ
youâre over leveraged though. Your portfolio should consist of at-least 4 sectors: stocks, bonds, real estate, and cash with no more than 30% of your portfolio in one sector. Iâd the real estate market crashed youâre gonna be fucked since you have 70% of your portfolio in it
â@@u2-tv899what is the secret to be a good stockholders?
â @@BlakeApocalypseyou would be doing yourself a massive service if only 60% of your port was in stocks and real estate and the other 40 was in cash and bonds.
Also when buying rentals the home price for the most part is irrelevant as you will be holding these properties for a long time and profiting off the rents
Smaller, speculative stocks have endured a historically weak stretch. Investors are betting that a turnaround is finally in the works. Iâve lost about $320k within a few months, how do i take advantage of the market turnaround?
@@maryshea9781 Having an investment adviser is the best way to go about the stock market right now, especially for near-retirees, I've been in touch with a coach for a while now mostly and I made over $800K within a short time
@@maryshea9781 renowned for her proficiency and expertise in the financial market, *KRISTIN GAIL CUNNINGHAM* my financial advisor, holds a broad understanding of portfolio diversification and is recognized as an authority in this domain.
@@maryshea9781 *KRISTIN GAIL CUNNINGHAM* is quite popular on Bloomberg I doubt if there is anyone who is serious about stock trading that doesn't know her. She has helped me quite a few times in growing my portfolio and it was blissful without any setbacks. she is a tough person in an industry that demands clairvoyance
I've done both, for many years. Stock market, no question.
@Life Content please explain how that works?
Do both
Tyler Kirby when the money appreciates you refinance it using the equity youâve built into it. Pretty self explanatory.
Dan Hall itâs not self explanatory if someone is asking a question!
Depends if know capital growth areas. Pls note Stocks can drop to NOTHING. That donât happen with real estate
I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying it's ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in-depth market knowledge.
@@MichaelRoy-gd3mk It all depends on how long you're willing to hold for, stocks might likely tank further, but making serious gains in this downtrend wouldn't be a problem if you're a pro.
The reason I decided to work closely with a brokerage adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had a brokerage adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.
@@rhondaeggers110 Hi, please who is the expert assisting you and how do I reach out to them?
@@angelahowie1451 My financial advisor, *MARTHA ALONSO HARA* , is a highly qualified and experienced professional in the financial market. She possesses a broad understanding of portfolio diversification and is recognized as an expert in this field.
Invest in what you understand. I invest more in real estate than stocks.
That's good advice.
Definitely a great idea. Real estate is easier for most to understand.
How so? How do you invest in realestate i mean
@@tylergable2445 on youtube
Tyler Gable Robert Kayosaki
The Market have been suffering over the past month, with all the three indexes recording losses in recent weeks. My $400,000 portfolio is down by approximately 20%, any recommendations to scale up my returns before retirement will be highly appreciated.
The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
I agree. Based on personal experience working with an investment advisor, I currently have $385k in a well-diversified portfolio that has experienced exponential growth. Itâs not only about having money to invest in stocks ,but you also need to be knowledgeable,persistent,and have strong hands to back it up.
Iâm new to all this, heard it's a good time to buy and basically I've just got cash sitting duck in the bank and Iâd really love to put it to good use seeing how inflation is at an all time-high, who is this coach that guides you, mind I look them up .
Sure, the investment-advisor that guides me is..
MARY TERESE SINGH
Dave, my customers used to always tell me "You sound like Dave Ramsey." Now that I actually know who you are...wow...what a compliment!
The whole point of wealth for me is freedom. My magic number in my mind is 5 million needed at 65 to not worry about anything. Am i better off investing a good portion of my income into stocks or real estate to achieve this goal?
Money advice is subjective, what works for you may not work for someone else, but it's always better to plan. I'm quite lucky exposed to personal finance at an early age, started job 19, bought first home 28, got laid-off work 36 amid covid-outbreak, and at once I consulted an advisor to handle growing my finance. As of today, I'm only 25% short of my $1m goal after subsequent investments.
bravo! i'm 46, inherited money from a childless relative and traveled overseas, got married to a lady almost my age, but the only issue is how to preserve and grow my wealth in view of retirement, can your advisor be of help please?
Of course.....I work with "Heather Ann Christensen" as my licensed advisor. Simply look up the name. You would discover the information you need to schedule an appointment.
Thanks for sharing. I curiously searched for full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks.
Depends on your work ethic and willingness to deal with ppl. Stocks win if you don't want the job of a landlord.
Yes or dealing with squatters
Investing in stocks is just as much work as property.
That's what property managers are for. You mean the job of being a re investor. Which is more of a job by far than being a stock investor.
@@bighands69 yes, your stocks will start leaking and youll get a call from your stock manager saying they need to organise a plumber and you'll be out of pocket $300. Much the same amount of work.
Late payments, damage, property tax increases, and now with evictions on hold, tenants basically don't have to pay and can't be evicted.
Ecclesiastes 11:2: âInvest in seven ventures, yes, in eight; you do not know what disaster may come upon the landâ.
@rishi pael buy fishing stonks
âGive a portion to seven, and also to eight; for thou knowest not what evil shall be upon the earth.â Ecclesiastes 11:2
@@realkingbrandon Yes, there are many translations. I have the Septuagint and can read Greek, but have no facility in Hebrew to enable me to get to the original.
Exactly! I love this scripture!
This is why I love Dave. He shares information and knowledge like a good father.
Wrong, misguided information
@@BC-fu3tg disagree
@@HeyEveryoneHi I agree
@@Stoneface_ you agreeing with him or me
facts
I work at the Home Depot. They hold 20% of my earnings for six months then use the money for employee stock at .85% at the lowest price during that particular day. In 2 years I already own 54 shares and theyâre quarterly dividend is $1:50 a share which is reinvested.
You'll likely make more money in real estate but there is way more risk and potential for problems.
My shares of VTSAX won't ever pay rent late.
My shares of VOO won't ever have to be evicted.
My shares of WasteManagement won't ever try to sue me.
My shares of AT&T won't ever purposefully damage my property.
Yes but you also can't live and sleep in your stocks. If you have at least your primary residence paid off, you are safe. People always need a home.
Taghazout Moon
You donât even need to own a home and you can live and sleep anywhere you want.
Just be debt free.
Iâve met too many people that just rent for years off dividends.
Also live in RVs,boat,tent,etc..with a steady paycheck from investments and live anywhere in the world today..
People over 60 with Roth 401k/IRA living off $500-$6k/mo. tax free dividends and interest.
You can have your dividends/interest set to reinvest compounding while only taking what you need controlling your annual income which allows you to pay little to no taxes and healthcare with zero premiums buy staying below subsidy cliff.
Expatriates,early retired/FIRE,and world travelers are good at this.
Comment hit it on the nail. Real estate comes with ALOT of headaches
Great Answer.
@@blackworldtraveler3711 I still have a desire to own a house debt free even though I travel as a single mom. Quarantined in Morocco now. Considering selling my house in America to become debt free and buy a place in cash here or in Europe. There's a feeling of tranquility only a paid off home can give you, even if you travel and don't stay there full-time.
Hey I want to start investing but don't know where to begin. Any advice or contacts for help?
Mrs Joyce Albert unique strength lies in her realistic approach, which sets her apart from other brokers that often set unattainable targets and fall short in delivery.
You guys know her too? Her Success story is everywhere
If a person is direct and proficient in their work, others will sure consistently vouch for them. I love her transparency
Sure! She interacts on what's ~App using the digit below
+4474
I have done both. Getting paid rent was extremely time consuming, going through all the things tenants always complained about (nonsense most times) was extremely time consuming, keeping up with property maintenance was also extremely time consuming. I own stocks, it only takes me a few minutes to check their performance. I don't think I would ever do real estate again.
I know people whose houses were completely destroyed by tenants and ended up spending thousands to get them fixed, others have had great luck and always collect rents from great tenants.
you must gut the rental to where it will keep phone calls low folks buy dumps do little work then wonder why they get so many phone calls .!
@@SG-zh5xd From your comment I can only assume you are not very familiar with this kind of business. I started with cheap apartments and then sold them and started buying houses in really good neighborhoods, houses were in great shape. That didn't make difference, the issues as you can read in my original post "nonsense most times." Again, some were really good tenants but I have no patient to be dealing with the baby ones.
@@ironvoice5079 yea I own SFH's in good locations .I know lots of folks who own in bad location and are doing well .
That's a risk you should be willing to take
I think everyone who owns a rental property will eventually face the issue of bad tenants destroying stuff but keep in mind that this is temporary :). Overall... real estate is a good investment its the time consumption that is the issue here but overall i believe its a nice way to make money if the properties are in good locations and you can at least rent them long term and earn money as your main salary.
You know... rent can be your forever salary until you die :D. The issue is that you have to maintain it.
investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good?
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.
how do I get in touch with this consultant that assist?
Jenny Pamogas Canaya, that's whom i work with look her up and thank me later
Thanks for the info . Found her website and it really impressive
I like the stock option over real estate personally. With real estate you have to deal with a lot of factors like finding a property, fixing it up, Contractorâs, tenants, inspectionâs, etc. where as with stocks if I believe in a company I can buy shares, hold for long term or short the position & make money. Options can allow me to make money if the stock goes up or down & the only person I have to deal with is myself. Less hassle. Can do it all right off my phone if I want.
Jason Clay ...good advice. Any particular stocks you would recommend ?
You are 100% right on that. If they only knew
Yup. Real estate is way less passive and more like a job.
@@ShawnGS300 Livongo, Crowdstrike, Teladoc, DocuSign. Apple, Mastercard, Tesla, Tradedesk, Appian, Fastly, Shopify....have fun :)
@@ShawnGS300 TSLA, AMZN
Oh, its the stock market. All this time I've been buying Stonks.
Stonks only go upđ
@@alextogo8367 its true, stonks only go up
Wsb member?
and buying the dip lol
I don't do the single stock thing, too much mental energy. Instead I invest in index funds, which truly reward the buy and hold mentality
I agree but I hold only individual stocks. Very risky though đ
Iâm SOOOOOOO happy ur videos are straight and to the point! I donât have to spend half an hour trying to learn something. Thank you đđ»
I always say educate yourself in both of them, find which one is going to fit your lifestyle best. I personally am a real estate investor I found it fit my interests more and have found great success in it. Any of the content I put out is based off my experiences makes it easier.
Rule of thumb. Go with what you understand and are comfortable with.
Seeing as most people still go to banks for investing with next-to-none rate of return because it's what they understand and are comfortable with, then this isn't really a good advice. Anything can be learned, most things can be taught, it's all about being receptive to new information and seek what might be better for you. Adapt and improve, comfort zones aren't necessarily optimal.
That's horrible advice.
How about just learn and get comfortable with them instead of running away.
@@hedgehog_fox Okay, you're right. Put your money in what you don't understand and are not comfortable with.....
@@nickblooruk LOL!!!!!!!!!!!!!!!!!!!!
Was a landlord and enjoyed it, but he's right...mutual funds don't call at 2am with problems!
@Dra O Yea, if your property manager isn't part of the problem I guess
Diversify into both!
90% real estate 10% stocks
I would say along with what Patrick said, with that 10% invest it into index funds.
If your scared of society failing, then buy a cow
Simple. Canât understand why people feel they have to choose one or the other lol
Whatâs that mean?
Everyone's in the comments complaining about the work of being a landlord. Guys, that's built into the price of rent. You can hire a property manager to cover that for you if you want, labor is labor, you can still calculate the profit of a rental property _after_ you pay someone else to run it as part of the investment calculation. You can use REITs if you want it to be easier as well, and of course the REITs will be hiring property managers / being property managers on your behalf.
Stock Estate
REIT
Thats for lazy people
Real stock
Real Exchange
Real estate is great for some, but when people put all of their money into a single asset, its a problem. Love my dividend stocks and boring index funds and also have some REITs that pay me monthly. I never want to deal with tenants.
Which ones?
XOM was $45.47 when this video was posted. It closed today at $57.86 and has paid $3.48 since this video was posted. Jason in Oklahoma missed out on a 34% return for not understanding how stocks work.
Great topic. Thank you.
Love this one Dave thank you
We have owned rental homes for years and have been selling in recent years. The types of renters and respect for properties has changed greatly over the 25 years we have had them. Itâs no longer worth it. We have not done commercial property so that might be a way to reduce headaches! If your handy and want to fix up property, sell them when complete!
Buy REITs. It's more liquid than actual real estate, there's cash flow and a lot less hassle.
And Lots less return
@@leetjohnson less control is the whole point dont need to control bad tenants fix all the problems within the building etc thatâs what he aaid
@@leetjohnson it donât change an income for you thereâs millions of houses. And people donât do it cuz they are scared they donât do it cuz itâs expensive to start.
I like REITs too. I have mine enrolled in the DRIP, so all the dividends just keep buying more. MFA is a a good one right now. They are undervalued because they stopped their dividend for a while in 2020. But they have made a couple payments to common stock holders in 2021 and they should be back on track soon. The requirement to pay out 90% of their income to be considered a REIT is awesome.
Do both. Invest in index funds and REITS. If you donât want the hassle of being a landlord, REITS are the way to go.
I think when you are starting out its tough to do both, since you dont have the capital
Reits are taxed at a higher rate if I remember correctly
$O holder here
REITs are stocks
@@hacker3191000 yeah but real estate stock
Thx Dave. Been thinking on this lately
Quick answer: Buy what is oversold or on-sale at the time. Real estate is not on-sale right now. I trade stocks to increase capital. I will use that capital to buy real estate for long term residual income.
Gangsta. On the same mission. Open to other things but thatâs the time Iâm on too
Yep, exactly
you think all time highs in the S&P is a on-sale?
I love both.. But I'm losing in trading my self.. Any help or advice please
I will advice you should
stop trading on your own if you keep losing and start trading with Mrs Sofia Ryan trading services..
@Thiophilos Reubens I stumbled upon one of her clients testimonies and decided to try her out...I'm Expecting my third cashout in 2days
Mrs Sofia is indeed a forex goddess. With my first deposit of $500 I got a payout of $3500 in a week
@@kingbaker8407 I remember friends calling me crazy when I started but i now shut up them with my four
figure weekly returned
@@mohammedhakeem4773 Am not here to converse but to share my mind blowing testimony cashed out my 4th consecutive profit yesterday
Own a debt free house. This gives power to buy more stocks.
Best most simple comment lol
That's what I'm doing. I have no interest in rental properties. I love me some stonks and this ridiculously large house, though.
Dave has a great understanding of real estate and stock market fundamentals, great advice
He has an elementary understanding. Itâs laughable people say this.
Invest in REITs. Offers real estate exposure while investing in the stock market. Plus the quarterly or monthly dividends arenât a bad kick back.
@@user-be1jx7ty7n I might be dumb but I looked at 0 realty and I donât see any fees at all
I've done well in the stock market. I cannot see me wanting to deal with property problems, bad tenants, and all the other issues when I can sit back and watch my portfolio grow.
Me too!
If you are in the right market regulatory region and screen the tenents well and you probably are not going to have many problems.
You have no cash flow with stocks. No passive income.
Great job Angela
@@MichaelP-ke1tm ignorant
lots of knowledge dropped in this video. Thanks Dave!
I like mix of both TBH. Love the liquidity of stocks/options but having rental props where the tenant pays your mortgage is also really good.
If you put time and effort into finding the best property and maintaining it, you will have more earning potential then if you put no time and effort into the stock market and just pick some general indexes on a whim. I agree.
Finally just dave
I think this depends on which stock you own and also the property in question. If you have a large stream of dividends you could get more recurring income than rent, and reinvest them to increase that income in a short amount of time. An expensive house, or a house in a desirable location, could get you a lot of rent or appreciate at a higher rate. I think there are too many factors to consider. With investing it also depends which stock you bought. If you're good at spotting opportunities you could pick one that suddenly takes off.
Real Estate is the key to our EDM. We paid cash for every property and experienced all three of the income Dave suggested. We are north of 20% IRR on all our properties.
this subject always makes for a good debate. I invest my retirement money into the stock market, but I've always been intrigued by real estate AS an investment/future income option. Problem is, RE takes a LOT more time and expertise to avoid the potential pit falls. It's like a second job, from what I've learned from others who do the "rental property" thing. Hard to get honest answers from people because they want to feel smart and few rarely admit their failures when it comes to investments. I have a cousin that does very well with rentals. He's pretty much retired and that's because he's done well with smaller single family rental properties, but it comes with a lot of headaches. Ideally, you'd have BOTH (real estate/rentals AND stocks/bonds) but personally, I haven't found the guts to dive into buying rentals because I'm afraid I don't have enough knowledge/expertise and don't want to fail. I know you have to get into the game to truly learn it, but the EFT's, MF"s, etc are just so easy, convenient and low maintenance. I'm running out of time to make the real estate option viable (don't want to wait until I'm retired), so I may pull the trigger on a rental just to get my feet wet.
The stock market is a win win no matter what the climate is. Where else can you make money when something is loss money or making money. You can literally make money on a stock when its falling and when its going up. You just have to put in the work on researching what you're investing in. Thanks for the information Dave Ramsey!
Since the day this guy called in to today (Feb 19, 2022) the S&P 500 (including dividends) has returned 46%. Stocks WAY out perform real estate. Take this from a guy who used to own millions in real estate and have dozens of renters and today has no real estate and stock in more than 8,000 companies (thanks to ETFs).
I achieve 30%+ cash-on-cash return on rental real estate consistently. đ
Never owned a stock.
Out of which state is this? In my area property tax completely hoses the cash flow.
Stocks = No tenants
Its worth whatever someone is willing to pay for it
my home is worth what I Don't pay to rent it.
Like every other asset imaginable
The willingness someone will pay for it is price. Things can be undervalued or overvalued by people
Same as the house
It's a very true. It's the great debate, which best = Real Estate or Stocks??? Real Estate can get you a much better return but it take your TIME. The best part about stocks is that it is "set and forget".
Love Dave heart good info and good advice
Being a landlord has its perks, you live for free, and you're able to save more of your income (as in your normal job), you have someone else pay your mortgage, HOWEVER...... you will get text messages saying our sink is clogged, or other miscellaneous repairs, and you have to get it repaired in a certain amount of days. In my opinion, i wouldn't do rental property without the knowledge of being able to do your own repairs. sometimes repairmen are in a union and when you have a plumber come in it cost $130 an hour during business hours, and if its an emergency and its not during business hours, they charge more. that's why you learn to do the repairs yourself and do a good job. And when it comes to eviction, rerenting, you have to set up appointments and listen to other peoples bs of not paying rent. Question is...... are you willing to do all of this.
Then there are stocks. Stocks is by far the most laziest way to accumulate wealth. You do your homework or with anything to get good at, read, read, read, understand some math, question everything that you don't understand till the point you're sick of it. and do it again. You don't have to listen to your tennant not being not being able to pay rent. You get to make the decisions. Its more easy with the click of a button.
sir that doesnt sound like living for free lol
Dividend growth investing!
Good insight Dave
Good tips thank you JulioV
You outperform in real estate because of leverage (if you borrow money) combined with appreciation. Paying in cash eliminates this advantage.
This caller does not comprehend how mutual funds gain value over time. He simply believes that a stock is only worth what someone is willing to pay for it no matter the time that the stock is held. Time is such a game changer.
Thanks for the summary
That was insanely helpful mr. Ramsey!
Pretty spot on with pros/cons. Thankfully he left the politics out of it. Good work Ramsey.
True wealth is made by investing in both.
Much appreciated.
Good discussion đ
Real state and stocks are about the same monetary-wise. The big difference is that stock prices are quoted every second.
Not really. You can't depreciate stocks, most investors can't leverage stocks without massive risk and you also can't refinance your stocks to increase monthly cashflow, that is often tax free due to depreciation. Most people are unaware of the hidden long term benefits of real estate, especially the debt fearing viewers of this channel.
@@leetjohnson Have you tried to hire a contractor recently? At least with stocks you don't have to make deals with the devil! I don't have the time or desire to depend on others. With stocks I alone control my destiny. I like real estate, I bought at the right time and my theoretical property value has tripled, but it was hard, and there is a ton of opportunity costs. It was a foreclosure, so I spent some money on it. With stocks the risks are higher, but you can sell quickly if you're paying attention. How many people have already doubled their investments since the start of 2024? Depreciation of real-estate comes back to haunt you when you decide to sell, and you still have to pay taxes for services you don't need and insurance that will fight you when you need them most. With stocks, yes you will pay more in taxes, but only when you sell, and only if it's not in a Roth. Closing costs are a scam, 6% brokerage fees are a rip off, it's all a bunch of nonsense, subsidized by the tax payers. Why should you be able to deduct expenses, or depreciation? Are we trying to juice the market? The introduction of VRBO's and AirBNB's are enough to juice the market. it's time to stop the tax payer subsidy of the real-estate market. It's the main reason the cost of living is so expensive now. What's the point of raising interest rates and hurting all businesses, when all you really need to do to make housing more affordable is reduce the tax deductions and actually CUT interest rates???
Glad Dave doubled down on the stock market not being a casino. Too many people think it is but itâs absolutely not. Itâs definitely good to diversify between stocks and real estate. Some people have a favorite or better understanding between the two which is fine. To each their own.
I mean owning a house or various houses is good, but I believe that 4% price a year increase is gonna end up really soon. Nobody is buying houses with these interest rates. Your house price will get stagnant during recession periods because the market is correcting itself while in the stock market, you can make fortunes allocating capital during the same periods.
Really great Advice from Dave!!!! I wish Dave would write a real estate investing book lol. The problem today is that real estate is crazy expensive and the stock market is very high. I am leaning towards keeping money in cash for the time being and waiting for the market to come down.....Problem is I have no idea when the market will decline lol. Are people out there getting good deals with real estate these days????
If you're young and not lazy, buy a cheap house and fix it up. The money you save in rent is passive income.
"not lazy" lol. People undervalue their time. I make 75+/hr when I work so I need to value my time at that rate when considering fixing up something.
Do both! Theyâre both unpredictable!
Haha yes. lose money in both ! :)
@@confirmhandle You're not losing money in stocks over decades. The historical average is 8-10%. Yes you lose money in small dips, but you're not losing it long term.
You can always live in a house you can live in a stock
But the stock market is the best . It depends on what stock market you investing in . There's buy and hold and active trading .
they literally are both the opposite! 2 of the THE MOST PREDICTABLE investments in the long term. Just don't throw darts at a dartboard, thats a given, it ain't rocket science
Great info. Assets are worth more in the future than they are today. Stocks aren't gambling if you invest in good quality companies. If you want to speculate on companies that have no track record and no profits, then that's a risky play.
Never stop dreaming. Be hungry and never stop believing in your dreams. If someone can do it, you can do it. Be strong
The caller has a good point. Many stocks right now appear very speculative, in that they would have to make huge financial returns to get to what we currently consider reasonable price to earnings ratios. If we pick three companies, and two are duds (with limited downside), but one goes to the moon, the gamble pays off.
Real estate is expensive and highly illiquid. Investing in real estate, even when borrowing cash, requires a large upfront investment. Getting your money out of a real estate investment through resale is much more difficult than the point and click ease of buying and selling stocks. Most importantly invest in the one you know better or you can take the risk of doing both. With my experience as a nurse and I want to retire before 39, I think doing both is the best if your financially bouyant enough.
Exactly, even Real estate has high transaction costs. A seller can expect to pay significant closing cost, which can take as much as 6% to 10% off the top of the sale price. Thatâs a hefty cut compared with stocks, especially now that most brokers charge no fees for stock trades.
Itâs difficult to diversify your investments with real estate. Location matters when investing in real estate. Sales may slump in one area, while values explode in another.
@Victoria Lomba wow you must be a very hard working woman, how do you combine both with you being a nurse?
@@charlottewick2456 well I made a lot of researches and got mentored by Mr Chris Vandernaald and it's really been paying off. Secrets you just have to invest in something know about.
@@timgallon8771 Diversifying the purchase of real estate properties by location and type (a mix of residential and commercial, for example) requires much deeper pockets than the average investor has.
I love Dave at the beginning thinking hard like:
âIâm wondering if my money is more effective in...â
âDonât say gold. Donât say gold. Anything but gold. Donât say gold.â
âReal estateâ
âPhewâ
Watching this was very informative for the misguided of stocks vs. real estate
This is the advice and opinion id prefer to hear more!!!. Talking to people, who mess up their lives in various ways, is cool but alot of the listeners know better. Give everyone else thats passed the debt phase and tell us something else to make us grow beyond that.
Iâve done well with real estate.
But my strategy has always been a conservative long-term approach.
But like others have been mentioned invest in what you know and feel comfortable with.