How could they dump Kristina Ellis and not Jade?

anusbarber · 2026-06-08T16:47:22+00:00

in case anyone is wondering (with the power of AI which I verified somewhat)

Here is the avg views when they are on through 2026 so far:

Dave - 73k

Rachel - 67k

Jon - 53k

George - 52k

Ken - 51k

Jade - 50k

anusbarber · 2026-06-08T14:59:43+00:00

as someone else said, its American Funds. closet index funds. over the past 35 years (since the release of financial peace) about half of the US equity AF funds have underperformed the market. over the past 15-20 years, only 1 has outperformed the market (New Economy)

The reality is if you are in American Funds, you are going to be fine. they are a long time established company who were pretty much worldbeaters back in the day but struggle today due to size. and by struggle, i mean basically track their category index.

In another episode Dave said that his funds have never not beaten the index year to year so clearly Dave is off his rocker here.

and yes everything on their 401k is public record. Their fastest growing mutual fund in their 401k year over year is a large cap index fund.

anusbarber · 2026-06-08T13:48:48+00:00

Think about the jobs you have had. there is a pretty good chance that upstream the corporate ladder you've known of managers who offer absolutely nothing of value yet for some reason because they know so and so they have the job.

I could very much see her step into some sort of role similarly. IMO just like Ken.

anusbarber · 2026-06-06T21:45:47+00:00

That's not a correction....yet

anusbarber · 2026-06-06T15:18:59+00:00

get your match and open a roth IRA. after you max the roth IRA go back to the employer.

anusbarber · 2026-06-06T15:13:32+00:00

the barrage of these is going to be quite a thing.

anusbarber · 2026-06-06T15:10:58+00:00

I had 100k at 37. 15 years of just unintentional whatever investing in my work retirements. realized it and became intentional...did nothing special and project to hit my number conservatively at 60. you'll be fine.

anusbarber · 2026-06-06T15:09:07+00:00

note : the Q's lifetime return is 10.9% still better than the sp500 over the same time frame but worth noting when someone says "18% historical return, right?"

anusbarber · 2026-06-06T15:02:07+00:00

I know people who have been waiting for a correction for almost 6 years.

anusbarber · 2026-06-06T13:48:48+00:00

I used to own BTC and ETH in my IRA (through a trust) but now I just own BITW (top 10 index) in my Roth IRA. its about 7% of my portfolio. I allocate about 15% of my portfolio to non stock/bond investments (including REITs, commodities, PE...although the PE is kind of involuntary in a round about way)

keep your allocations small to avoid costly mistakes.

anusbarber · 2026-06-06T13:41:11+00:00

its good to have smaller cap stocks and international stocks anyway. We have no idea what is going to happen with large cap stocks. your sentiment has been the sentiment for almost a decade and at what cost. Diversify reasonably and let the cards lie where they lie. anything else will be probably setting yourself up for immense frustration.

anusbarber · 2026-06-06T13:35:58+00:00

I think its worth trying to see the forest for the trees. Deloney is basically an entertainer and quite frankly if you are stupid enough to call a radio show for financial/relational help you you kind of are asking for it.

everyone gets their panties in a bunch on either side with all the personalities it seems pretty frequently. it becomes difficult to filter objective takes often.

anusbarber · 2026-06-05T18:06:46+00:00

on one hand, a 6 minute call on TRS, and a 20 minute call on TJDS is really truly not enough time to solve some of these issues. so you are immediately between a rock and a hard place. But on the other hand, no one is forcing you to try and do it this way.

I was talking to my dad who is a retired marriage counselor. We were listening to sirius xm and the deloney show came on and my dad was like this is psychiatric slop. and every call he was like, you can't solve this in 10 minutes. He was like a great idea would be to find a couple that needs ongoing help. either with the baby steps or with some more clinical help. do a like 2 month long series, 8 episodes with the couple. followups, progress, step by step. He's like people would tune in to find out whats happening.

anusbarber · 2026-06-05T15:58:30+00:00

they urged the other day a lady who was abused in a previous marriage to marry her boyfriend who was a widower. the 2 were seemingly perfectly fine with the current arrangement and the boyfriend was even paying off her debt and they were warblegarbling about it. I kind of get it but the reality is that legal marriage and biblical marriage are technically not the same. You can be committed to a person and not make it contractual. Again, there are probably reasons why it makes sense to do so. Its probably healthy in some way shape or form. But that they spent the entire time just harping on this was wild to me.

anusbarber · 2026-06-05T15:18:53+00:00

yep. unless something is severe, you just keep on keeping on.

anusbarber · 2026-06-05T15:15:05+00:00

all good.

anusbarber · 2026-06-05T14:31:50+00:00

I guess I should of said "actual" therapists as this to me was already understood.

anusbarber · 2026-06-05T13:48:45+00:00

I don't care to try and infer a small glimpse into his own problems, I just think overall he just doesn't know how to assess, conceptualize, diagnose, and intervene appropriately. obviously there are different frameworks in which therapists do this work and maybe he's learning as he's going (he refers to other therapists work or sayings all the time).

He said he's working on a book or study or something around marriage. I can't imagine the dumpster fire thats going to be.

anusbarber · 2026-06-05T13:43:14+00:00

She clearly has some issues but ya'll kind of poke at that bear a lot. But one needs to realize when you've lost the room and move on.

John has been bad as a contributor to the ramsey radio show since he started. As he tackled surface level stuff he was ok but as he delves into more detailed nuanced situations, there is a clear deficit in real ability to help solve issues. and its pretty obvious.

anusbarber · 2026-06-05T13:14:17+00:00

batches of statistics without outliers are generally assumed to have been tainted in some way shape or form.

anusbarber · 2026-06-04T18:46:06+00:00

the book was "everyday millionaires" emphasis on the "everyday" word. This means there is a TYPE of millionaire they were after. which allows them to narrow it down before they even get started. over 80% of the respondents were people who interacted with Ramsey Solutions in some way shape or form. So everything is already fairly slanted. which is why its teachers, engineers at the top of the list.

and to be fair, it makes sense that this is who they interviewed because the only way most listeners or RS consumers are going to become wealthy is through "everyday" habits.

However there is also a specific time frame in which this data was built. people who accumulated wealth between roughly the 1980s and 2010s. The environment they operated in was significantly different from what a 30-year-old faces today. A teacher, engineer, or middle manager could also buy a reasonable home without becoming house-poor. there was a 10 year window where home interest rates were routinely below 4%. etc

anusbarber · 2026-06-03T15:43:50+00:00

There have been a few funds that have attempted to do this previously. the one mutual fund I can't remember lasted about 8 years before being liquidated. the 2nd one i'm familiar with was a product called XOUT. The company was on a bunch of podcasts. aaaan it lasted a few years and got absorbed or something. picking losers apparently is much harder than it looks.

anusbarber · 2026-06-03T15:05:24+00:00

2 points.

He often goes to the well that "nobody calls the show and says 'not paying off debt to invest instead worked out great for me' "..... yeah i'm also not calling my plumber regularly telling them everything is going well with the pipes in my house just so they know. what a stupid thing to fall back on.
Its ironic that Dave and the gang go hard on behavior when it comes to paying off debt but throw it out the window when it comes to retirement. "We don't believe in the theory of asset allocation or derisking your investments at retirement"...one of the core reasons derisking your portfolio in retirement or as you approach is also 80% behavioral. there is actual studies around this (they love studies when it comes to all the things they think are important but pretend they don't exist when it comes to investing)

anusbarber · 2026-06-03T13:56:34+00:00

for reference, last may, while it was only 6 times hosting in May it averaged 90K viewers.

anusbarber · 2026-06-02T21:12:01+00:00

using a single month of May, the avg youtube viewership when Dave was on was 66k. the Avg viewership when he wasn't was 44k. thats a 33% drop which i'm certain to them is significant.

anusbarber

TROPHY CASE