Money Guy Show The Financial Rules Designed To Keep You BROKE
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Dec 12, 2025 Explore the unconventional side of finance by breaking popular rules that may keep you from wealth. Discover why the classic advice of 'buy low, sell high' can backfire, advocating instead for consistent investing. A captivating case study pits three investors against each other, showcasing the true power of dollar-cost averaging. Learn why saving 25% for retirement could be more effective than the typical 10-15% guideline. Plus, rethink the necessity of debt and homeownership for achieving financial success!
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Consistency Beats Market Timing
- Trying to time markets (buy low, sell high) usually loses to consistent investing.
- DCA (always be buying) captures long-run market growth without needing perfect timing.
Three Investor Case Study
- The hosts compare three investors from 1980–2024: Unlucky Olga, Billy the Best, and DCA Diane.
- All saved the same $137,650 but DCA Diane matched Billy and surpassed Olga through steady monthly investing.
Increase Savings If You're Behind
- Save more than the old 10–15% rule if you're starting late or had inconsistent saving.
- Aim for a 25% gross income savings rate (counting employer match, IRAs, HSAs, etc.) when possible.
