How Do We Maximize the Returns on Our Investments?

Ramsey Everyday Millionaires

Ramsey Network

Business, Careers, Investing

4.8 • 3.6K Ratings

🗓️ 16 July 2025

⏱️ 5 minutes

🔗️ Recording | iTunes | RSS

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Summary

💵 Sign up for EveryDollar today - Create a free Budget!⁠⁠⁠⁠ Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible! Next Steps: 💰Need help with your investments? Connect with a SmartVestor Pro: ⁠⁠⁠⁠(⁠⁠⁠⁠⁠⁠⁠⁠SmartVestor Investing Professionals⁠⁠⁠⁠) #PaidEndorsement 📝Get your free copy of Ramsey’s Complete Guide to Investing: (⁠⁠⁠⁠Ramsey's Complete Guide to Investing⁠⁠⁠⁠) 🏦Take a retirement assessment to find out how much you’ll need to retire: (⁠⁠⁠⁠Retire Inspired with the R:IQ Retirement Assessment⁠⁠⁠⁠) 📈See how much your investments could be worth over time with this handy calculator: (⁠⁠⁠⁠Investment Calculator⁠⁠⁠⁠) 🧑‍💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (⁠⁠⁠⁠Ramsey Investing Tools and Resources⁠⁠⁠⁠) Listen to more from Ramsey Network ⁠⁠⁠⁠🎙️⁠⁠⁠⁠⁠⁠⁠⁠ The Ramsey Show⁠⁠⁠⁠ 🧠⁠⁠⁠⁠ The Dr. John Delony Show⁠⁠⁠⁠⁠⁠⁠⁠ 🍸⁠⁠⁠⁠⁠⁠⁠⁠ Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠⁠ 💡⁠⁠⁠⁠⁠⁠⁠⁠ The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠⁠ 💰 ⁠⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠⁠ 🪑 ⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠ 📈⁠⁠⁠⁠⁠⁠⁠⁠ EntreLeadership⁠⁠⁠⁠⁠⁠⁠⁠ 💸⁠⁠⁠⁠⁠⁠⁠⁠ The Ramsey Show Highlights⁠⁠⁠⁠ ⁠⁠⁠⁠Learn more about your ad choices.⁠⁠⁠⁠ ⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

Transcript

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0:00.0	This episode is brought to you by SmartVester.
0:07.7	Connect with an investing pro near you at Ramsey Solutions.com slash SmartVester.
0:12.3	Carol is joining us now in the city of brotherly love.
0:18.1	That's Philadelphia, George.
0:19.6	Oh, thank you.
0:20.6	Carol, how can we help?
0:22.2	Oh, thanks for taking my call. Sure. So I have an investment question. Background is,
0:29.2	I'm 67, my husband's 70. I'm working. He's retired. We have a net income of $6,800 with no debt, no mortgage, no car payment.
0:42.0	Awesome.
0:43.7	Yeah. And with those numbers, to be honest, we're living our best life. We honestly are.
0:51.6	So we have a TSP account. That's my husband was a mailman, and that's like a government
0:58.2	401k. Then we have another one. It's with Ameriprise. It's for $85,000. Over the last 10,
1:07.3	over the last two years, we made $10,000. However, we put $8,000 into it. So bottom line,
1:18.5	we made $2,000 on $85,000. I'm not a financial person, but like, that just doesn't sound like a lot to me.
1:29.6	Yeah, a 2% return?
1:32.6	I'm sorry?
1:33.5	You're saying that you made a 2% return on your money in a year?
1:37.9	Two years.
1:38.9	Two years.
1:39.7	We made $2,000.
1:41.8	Yeah, that's terrible.
1:42.7	You could have made that sitting in a savings account.
	...

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