Where Should We Invest If We’re Scared of the Stock Market?

Ramsey Everyday Millionaires

Ramsey Network

Business, Careers, Investing

4.8 • 3.6K Ratings

🗓️ 14 July 2025

⏱️ 11 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	This episode is brought to you by SmartVestor.
0:07.9	Connect with an investing pro near you at Ramsey Solutions.com slash SmartVester.
0:13.8	Katie's up next in Billings, Montana. What's going on, Katie?
0:17.0	Oh, can you hear me? Yes. Sure can.
0:18.7	Yes. So I am 31 years old.
0:23.2	I am not currently in debt, thanks the Lord.
0:27.0	I have just recently invested in a Roth IRA.
0:33.1	I have term life insurance.
0:35.0	I max out my HSA do all the things.
0:38.0	And then my husband and I have about $360,000 sitting in the bank.
0:43.7	So that is mostly, we do have CDs at 4%, and everything else isn't savings or checking.
0:53.7	And I know nothing about investment opportunities.
0:58.3	It just seems like the stock market is kind of in a volatile state,
1:01.5	and I'm nervous about what to do as to grow.
1:08.9	Does that make sense?
1:10.7	It does.
1:11.7	So you said you had money in CDs.
1:14.5	Yes.
1:14.8	How much are we talking?
1:17.6	$232,000.
1:19.0	Ooh.
1:19.6	Is that on top of the 360 you have in the bank?
	...

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