Dave Ramsey says most millionaires just copied the guy in the next cubicle — not debating the perfect portfolio

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• Investors can still find mutual funds that outperform the market; his preferred strategy is a mix of growth-oriented large-cap, mid-cap, small-cap, and international funds that have demonstrated long-term success relative to their benchmarks, which can generate slightly better returns than the S&P 500.

  60% confidence

• Many people are stuck in analysis mode while their wealth-building years slip away; people with opinions about investing often have no money.

  60% confidence

• Based on the National Study of Millionaires, many millionaires are just regular people who picked their mutual fund based on what the person in the next cubicle was doing — the key was they were investing, not just talking about it.

  60% confidence

• Long-term market outperformance by active fund managers is the exception and not the rule.

  60% confidence

• 100% of people who invest end up with more money than those who don't, every time.

  60% confidence

• Fewer than half of individual mutual funds in the growth mutual fund sector outperform the market.

  60% confidence

• People should 'shut up and invest' because those who invest end up with more money than those who don't, regardless of the specific vehicle chosen.

  60% confidence

• Nearly 50% of Americans are making one big Social Security mistake.

  60% confidence

• JP Morgan forecasts gold will reach $6,000 per ounce before 2027.

  60% confidence