This is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey Personality, Christy Wright.

Rich is with us. He's in Newark, New Jersey.

Hi, Rich. How are you?

Hello.

Hi, what's up? Can you hear me? Yes, Rich. How are you? Hello. Hi, what's up? Can you hear me?

Yes, sir. How are you? Good. I got a quick question, Dave. I'm 76 years old. I got $1.2 million

sitting in six different savings account. My house is paid. Boats paid, calls paid. I owe no debt at all. Good for you.

Should I move it? Huh? Good for you. Well done, Rich. Except that I don't know what to do it.

What a great problem to have. Oh, yeah, but it is good, but I don't know.

Well, um, what do you think?

I personally, I mean, I'm not that far behind you.

I'm 60.

I personally would have that money invested.

And here's why, okay?

If you were in good growth stock mutual funds and you made 10%, that would be $120,000 a year.

Right now you're making $12,000 a year.

You're making nothing.

You're making nothing.

And so if I'm half wrong, if the stock market does half of what it normally does, you're still going to make 5x of what you're making right now.

Now, you don't have to move it all over there, and the main barrier to moving it over there is usually fear.

And fear is dissipated by one of two things.

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