Dave Breaks Down Rebalancing Investments

Ramsey Everyday Millionaires

Ramsey Network

Careers, Business, Investing

4.6 • 3.6K Ratings

🗓️ 9 February 2026

⏱️ 8 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	This episode is brought to you by SmartVester.
0:07.8	Connect with an investing pro near you at Ramsey Solutions.com slash SmartVester.
0:13.7	Derek is in Tampa.
0:15.1	Hi, Derek.
0:15.6	How are you?
0:16.8	Living and giving like no one else.
0:18.5	Love it, brother.
0:19.4	I love it.
0:20.6	How can we help?
0:21.0	My wife and I are baby steps millionaires.
0:24.8	We are invested in the four mutual funds growth, growth, and income, aggressive growth, and international.
0:31.2	And every year on December 29th, I rebalance those investments so that they're even to start the new year off.
0:38.2	Okay.
0:38.8	Am I doing that right?
0:40.6	There's nothing wrong with that.
0:42.3	Did I do it more often?
0:43.4	No, no.
0:44.7	I think once a year is more than enough.
0:47.9	You're a detailed dude for sure.
0:52.2	But it doesn't harm anything.
0:55.8	I don't rebalance mine unless I look up and they're way out of balance.
1:02.6	Like if I looked up and saw, you know, 70% was in one thing or something, then I was going,
	...

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