Is this 2025 or 1999?

You're listening to Motley Full Money.

I'm Ricky Mulvey, joined today by Tim.

We've been talking for about a half hour.

It's still good to see you in a more recorded fashion.

Thanks for being here.

Thanks, Ricky.

Fully caffeinated, ready to go.

Let's get going.

So for our first show of the year, I want to acknowledge that we get some newer listeners

who are, you know, you want to get better about your finances as you start the new year.

And in the latter half of the show, Alison Southwick and Robert Brokamp are going to cover

some budgeting tools that can help you get your budget on track and systematize things. Tim,

we're going to focus on the investing side. And to kick us off the sister side of Motley Full

Money, which does a lot of great research and surveys, found that almost 70, 70% of Americans have some financial resolution this year.

Here's the kicker. But just 7% of folks want to invest more. It's a lot of paying down debt,

saving for big financial goals. Not a ton of action on the investing side. Are you surprised by

that drop off? Not even a little bit.

Okay. Not even remotely. Next topic? No, not next topic. Reason why investing is hard.

Investing is really hard and it's unnatural. And so it is not something that people immediately gravitate to because even if I'll say, if you ask the question differently, saying in 2025, do I want to invest? I think the answer would be very close to that 70%. Now, we get to 7% because people don't really know what to do to get started.

And so it becomes intimidating. And they say, nah, I'm just going to save more money.

I'll assume that there's some self-selection going on among the listeners of this show.

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