Should We Use Retirement Money to Buy Real Estate?

Ramsey Everyday Millionaires

Ramsey Network

Careers, Business, Investing

4.6 • 3.6K Ratings

🗓️ 21 January 2026

⏱️ 8 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	This episode is brought to you by SmartVestor. Connect with an investing pro near you at Ramsey Solutions.com
0:11.0	slash SmartVester. Amelia is in South Carolina. Hi, Amelia. How are you? Hi, Dave. I'm well. How are you?
0:18.8	Better than I deserve. What's up? Great. Okay, well, I'm calling because my husband is a physician and his practice is a private practice and they are about to merge tomorrow with some other groups.
0:33.6	And we just figured out that his 401K from his old company or you know the company
0:41.8	he's with today that's about to become a new company tomorrow um we don't have to put that
0:47.2	in to the new company's 401k I guess we can instead make it a self-directed IRA or you
0:54.1	could just roll it to an individual IRA.
0:56.2	Yeah.
0:56.6	Yeah.
0:57.2	Yeah.
0:57.7	So I think that that may open up lots of different options and just wondered if you had any advice.
1:04.0	Like could we consider putting some of it into real estate investments or something like that?
1:08.7	Okay.
1:09.3	All right.
1:09.6	Good.
1:10.3	Well, the first thing is, yes, I would roll it to something.
1:14.6	I would not leave it with the new company 401K.
1:17.6	This is an opportunity to move it to something where you have a lot more control and a lot
1:21.3	more options.
1:22.0	At a minimum, you sit down with a smart vester pro and you pick a series of good mutual
1:27.3	funds on your own,
1:29.1	and you roll it to an IRA.
	...

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