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Candace is in Washington, D.C.

Hey, Candace, how are you?

I'm good.

How are you?

Better than I deserve.

What's up? Hi. Okay, so my husband and I are, we have done all

your steps. We are debt free. We have money in our emergency account. And now we are in the

thinking of investing stage. And investing in like the stock market scares us, like, because it's not a world

we know nothing of anything about. So my husband wants to invest in precious metals like gold,

and I want to invest in a like a beachfront property or a lake property we can use as a rental.

So my question is, what do you think is the better investment? At your stage, neither one. Right now you need to just be doing

your 401ks and Roth IRAs and some good growth stock mutual funds. And I know you said the stock

market scares you and it scares you

not because it's scary, but because you just don't know anything. So it's time to get into,

it's time to learn and start learning a little bit about how a mutual fund works. What a mutual fund is

is multiple people put money in it. That way they mutually fund it. That's where the name comes from. And what the fund

buys tells you what kind of mutual fund it is. If they buy growth stocks with the money that people

have mutually funded, then it's a growth stock mutual fund.

And you hear people say that phrase a lot, I'm sure.

And that's what we teach people and what I personally have put,

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