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You're listening to Ramsey everyday millionaires where we talk investing, retirement, building wealth and outrageous generosity. Sam is in Harrisburg, Pennsylvania.

Hey Sam, what's up?

Hey Dave, thanks for having me on show.

Sure, how can I help?

So I'm an independent financial advisor and I use your investing strategy in a lot of accounts that I have her clients. I love it. You know, I've definitely seen strong performance with it and so one question I sometimes come across is, know within clients for 1K plans that they have

their investment options are often pretty limited so I was wondering with your philosophy I try to follow it in there but sometimes international fund options are pretty

lousy as you know. So I was wondering if it's okay within a 401k plan to maybe follow like a little bit less strict to you know the exact strategy and maybe just

use like a large cap, big cap and small cap fund and kind of nix the international but I was

just wondering I just wanted to get your thoughts on that.

That's a very intelligent question by your customer.

They really, you've done a good job because you've taught them well to where they are looking at the track records because of the four categories growth and income, aggressive growth and international, the international category among those four underperforms the other three dramatically,

including in my portfolio.

So I'm really impressed that they actually figured that out.

That means that you did a good job teaching them

to look at their long-term track records.

So much so, Sam, that two years ago,

I had my personal SmartVester pro that handles my mutual funds you know he and

I are always bouncing ideas about our advice back and forth because there's nothing in

the Bible about this this is not a it's a Dave idea okay it's not a it's not something that can't be wrong

it could be wrong and I'm looking at it going these internationals suck and I've got good

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