Here's Why Dave Doesn’t Invest in Bonds

Ramsey Everyday Millionaires

Ramsey Network

Business, Careers, Investing

4.8 • 3.6K Ratings

🗓️ 18 July 2025

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	This episode is brought to you by SmartVester.
0:08.0	Connect with an investing pro near you at ramsysolutions.com slash smartvester.
0:13.9	Joseph is with us in Fort Worth, Texas.
0:16.4	Hi, Joseph.
0:16.9	How are you?
0:17.9	Hey, Dave.
0:18.8	Hey, Rachel.
0:19.5	How are y'all doing today?
0:20.2	I'm doing pretty well. Can't
0:21.3	complain. Cool. How can we help? So I wanted to get your guys' opinion on bonds. I'm just starting to,
0:31.5	I feel like I've just dipped my toe into stocks and things like that. But I've looked into oil and gas bonds, and I don't know if that's a good route.
0:42.6	I have about $500 in my HSA that I want to use to invest in that.
0:47.7	I have more money to invest, but I'm just asking specifically, I guess, about that.
0:51.7	And then any other advice you have on just stocks and trading in
0:55.0	general. Okay. I don't buy bonds. The bond market in general is almost as volatile as the stock
1:05.7	market and doesn't return as well. So it's pitched in the financial world as being safer than the stock market, but the
1:13.6	actual data says it's not much safer.
1:18.0	The volatility in the bond market comes from shifting interest rates, and so I have avoided
1:24.7	bonds.
1:25.7	I don't own a single bond, and I've got millions of dollars in the market.
1:31.1	I don't own any single stocks because I don't like risk.
1:36.0	I own mutual funds.
	...

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