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

Joining me today is Ramsey personality, Rachel Cruz.

Chris is with us. Chris is in Fort Worth, Texas. Hi, Chris. How are you?

Hey, Rachel, and Dave. I also watched Mared Future, and that shook me to my core.

I think everybody should see it.

Thank you.

My question is about, you're welcome.

My question is about the investment strategy and the four kinds of good growth stock mutual funds.

International is the fourth kind that spreads our risk beyond American soil.

It appears to have a lower rate of return.

Oh, it's worse than that.

It sucks.

Yeah, so why is it worth diversifying into?

Are we sacrificing return?

Why do we do that?

You know, I actually just asked the same question about probably about 24 months ago.

Because, you know, what we teach are time-honored principles like get out of debt and the borrower, slave to the lender in the Bible.

And so we're not going to change on those

things. Okay. We're not going to suddenly go, oh, there's a certain kind of, you need to go do this

debt. No, we're not going to do that. Okay. But, you know, the four mutual fund types are something

I dreamed up with other people. The guy that started the show with me was an investment broker and we dreamed that up and ran models on it and stuff 30 years ago. And so it's not a sacred cow. And so I got to looking at it

and I'm looking at my own returns and I'm asking the same question you're asking because this thing,

...