'Just Freaking Invest' Ramsey Host Tells 21-Year-Old Investor Who Argues Index Funds Are Better Than Mutual Funds

Benzinga_recent_news

Feb 13

Most investing debates sound complicated until someone strips them down to the one thing that actually matters. That is what happened when a 21-year-old caller challenged a "Ramsey Show" host on a ...

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That is what happened when a 21-year-old caller challenged a \"Ramsey Show\" host on a ...</p>\n\n<a href=\"https://www.benzinga.com/personal-finance/management/26/02/50611939/just-freaking-invest-ramsey-host-tells-21-year-old-investor-who-argues-index-funds-are-better-than-mutual-funds\">Source Link</a>\n\n</div>\n","source":"benzinga_recent_news","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>'Just Freaking Invest' Ramsey Host Tells 21-Year-Old Investor Who Argues Index Funds Are Better Than Mutual Funds</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n'Just Freaking Invest' Ramsey Host Tells 21-Year-Old Investor Who Argues Index Funds Are Better Than Mutual Funds\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-02-13 23:01 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.benzinga.com/personal-finance/management/26/02/50611939/just-freaking-invest-ramsey-host-tells-21-year-old-investor-who-argues-index-funds-are-better-than-mutual-funds><strong>Benzinga_recent_news</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Most investing debates sound complicated until someone strips them down to the one thing that actually matters. That is what happened when a 21-year-old caller challenged a \"Ramsey Show\" host on a ...</p>\n\n<a href=\"https://www.benzinga.com/personal-finance/management/26/02/50611939/just-freaking-invest-ramsey-host-tells-21-year-old-investor-who-argues-index-funds-are-better-than-mutual-funds\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"HST","symbol_name":"美国豪斯特酒店","start_time":0,"source_url":"https://www.benzinga.com/personal-finance/management/26/02/50611939/just-freaking-invest-ramsey-host-tells-21-year-old-investor-who-argues-index-funds-are-better-than-mutual-funds","article_id":"2611650201","we_media_id":null,"thumbnails":["https://cdn.benzinga.com/files/images/story/2026/02/13/Stock-S-And-P-500-Index-Fund-Symbol-Is-O.jpeg?optimize=medium&dpr=2&auto=webp&width=240"],"rights":{"source":"benzinga_recent_news","url":"https://www.benzinga.com/personal-finance/management/26/02/50611939/just-freaking-invest-ramsey-host-tells-21-year-old-investor-who-argues-index-funds-are-better-than-mutual-funds","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2611650201","pubTimestamp":1770994860,"columns":[],"sourceInfo":{"source_id":"benzinga_recent_news","name":"Benzinga"},"weMediaInfo":null,"summary":"Most investing debates sound complicated until someone strips them down to the one thing that actually matters. That is what happened when a 21-year-old caller challenged a \"Ramsey Show\" host on a question investors argue about endlessly: index funds or mutual funds.The caller, Matt, was not new to investing. He said he had been investing since he was 15 and now puts away about 25% to 30% of his income while earning between $80,000 and $90,000 a year. That adds up to roughly $18,000 annually, a number that immediately caught host George Kamel's attention.\"You're going to be a multi-millionaire regardless of this conversation that happens next,\" Kamel said.Matt's question was straightforward. Why does Dave Ramsey's team favor mutual funds when many investors argue index funds are the smarter long-term choice?The hosts laid out the difference in simple terms. Index funds follow a set list of companies and move with the market. Mutual funds are actively managed, meaning professionals sele","collect":0,"end_time":0,"defaultTopTitle":"benzinga.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"HST":"美国豪斯特酒店","BK4588":"碎股","BK4585":"ETF&股票定投概念","BK4181":"酒店及度假村房地产投资信托","BK4218":"酒店及度假村房地产信托"},"translate_title":"拉姆齐主持人告诉21岁的投资者，他认为指数基金比共同基金更好，“只是疯狂的投资”","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"HST":1.5},"content_text":"Most investing debates sound complicated until someone strips them down to the one thing that actually matters. That is what happened when a 21-year-old caller challenged a \"Ramsey Show\" host on a question investors argue about endlessly: index funds or mutual funds.\nThe caller, Matt, was not new to investing. He said he had been investing since he was 15 and now puts away about 25% to 30% of his income while earning between $80,000 and $90,000 a year. That adds up to roughly $18,000 annually, a number that immediately caught host George Kamel's attention.\n\"You're going to be a multi-millionaire regardless of this conversation that happens next,\" Kamel said.\nDon't Miss:\nMatt's question was straightforward. Why does Dave Ramsey's team favor mutual funds when many investors argue index funds are the smarter long-term choice?\nThe hosts laid out the difference in simple terms. Index funds follow a set list of companies and move with the market. Mutual funds are actively managed, meaning professionals select investments in an attempt to outperform the market.\nKamel summed up the tradeoff clearly. \"Your index funds won't beat the market because it represents the market.\"\nMatt pushed back with a common argument among younger investors. \"I know 80% of mutual funds don't beat the market.\"\nTrending: Designed for investors with strong market convictions, REX Shares builds ETFs for income, leverage, and tactical positioning — explore the lineup.\nThe hosts made clear they were not anti-index fund. They said there is a place for both, with index funds often favored in taxable brokerage accounts because of lower turnover, while mutual funds are commonly used in retirement accounts where tax efficiency works differently.\nThe conversation shifted when Matt raised another concern. If a mutual fund's success depends on a manager, what happens when that manager eventually changes?\nThe hosts acknowledged that turnover happens but argued investors should focus on long-term track records and consistent principles rather than individual personalities. Kamel compared it to supporting a sports team, saying success depends on culture and philosophy over time, not a single player.\nBut the most direct message came at the end of the conversation, when the debate itself stopped mattering.\n\"The key is your savings rate,\" Kamel said. \"That's what's holding people back from having money. It's not the discussion of index versus mutual.\"\nHe added a final takeaway aimed at listeners who get stuck trying to pick the perfect strategy. \"Just freaking invest. Be like Matt at 21 years old, invest 18 grand a year, and you're going to have money in retirement regardless of where you put it.\"\nSee Also: Wall Street's $12B Real Estate Manager Is Opening Its Doors to Individual Investors — Without the Crowdfunding Middlemen\nMany people spend years trying to optimize fund selection while delaying the one decision that matters most, getting money invested consistently.\nMatt's situation worked as an example rather than a prescription. Saving aggressively early created flexibility. The hosts made clear that either approach could work if paired with discipline and time in the market.\nThe argument over index funds and mutual funds may never disappear, but consistent investing tends to matter far more than winning the argument itself.\nRead Next: Professional traders demand transparency — see why Kraken Pro has become one of crypto's most trusted advanced trading platforms.\nImage: Shutterstock\nTo add Benzinga News as your preferred source on Google, click here.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}