You're listening to Ramsey everyday millionaires where we talk retirement, building wealth,

and outrageous generosity.

Let's start this hour with Tyler in Riverside, California.

Hey Tyler, what's up?

Hi, thanks for taking my call.

Sure.

So my husband and I are in a little disagreement about where we should invest our money in the

future.

I want to invest in the mutual funds and he wants to only invest into property because he's

afraid of doing the stock market and everything.

So I just want to know like how we should go about that or if we can do both, even if

we're not very not worth a bit about it or how I can talk to him about how it works.

Okay.

Well, investing in real estate, unless you have the money to pay cash for it, is not what

we would recommend.

Borrowing money to go into real estate is a lot more risk than anything the stock market

represents as far as risk goes.

So but paying cash for some rental properties and having some mutual funds in your Roth IRAs

and 401Ks is a great idea.

Good mix of that.

That's what I personally have.

And so doing both, it would be, you know, what if that's what each of you kind of, your

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