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💡 Paul Merriman shares his 12 One-Million Dollar Ideas for achieving financial success, offering practical strategies to help you transform your investment approach. 📈  

Paul Merriman highlights the importance of starting early, using low-cost index funds, and diversifying your portfolio, especially by including small-cap value stocks. He breaks down how simple financial decisions made today can lead to significant long-term growth. Paul’s advice will help you steer your financial future in the right direction. 

In this episode, we discuss: 

1️⃣ Save Early vs. Waiting to Get Started: Discover why saving early, even small amounts, creates massive financial growth through compound interest.

 2️⃣ Stocks vs. Bonds: Learn how to balance risk and reward with the right mix of stocks and bonds as part of your asset allocation strategy. 

3️⃣ DIY vs. Professional Management: Explore why index funds often outperform actively managed funds, making them a smarter, low-cost choice. 

4️⃣ The Power of Diversification: Understand why spreading your investments across small-cap value, large-cap value, and blend stocks strengthens your portfolio. 

5️⃣ Market Timing vs. Buy and Hold: Find out why sticking with a buy-and-hold strategy beats trying to time the market.

🔗 Paul Merriman's Links: 

🌐 Merriman Financial Education Foundation

📚 We’re Talking Millions! 12 Simple Ways to Supercharge Your Retirement (And other Free Book Downloads)

📊 Quilt Charts (Referenced in the Episode): 

📺 YouTube Video Explaining the Two Charts

Graph 1: 4 US Asset Class Indexes & 4 Fund Combo Relative Return Ranking (1928-2023)

Graph 2: Asset Classes & 4 Fund Combo (1928-2023) - Return Rank Frequency

🔗 David's Links: 

🥊 Paul Merriman and JL Collins Debate Wealth Strategies

💰 Free Money Course

🍏 Forget About Money on Apple Podcasts

🎧 Forget About Money on Spotify

📜 Paul Merriman Quotes: 

💡 "The system is designed to make you spend, not save. You have to arm-wrestle it to build wealth." — Paul Merriman

🛡️ "Diversification is your greatest defense. Don't put all your eggs in one basket." — Paul Merriman  

🧠 "Most people will never beat the market. If you can match the market, you’ll likely be in the top 10% of all investors." — Paul Merriman

#financialfreedom #retirementplanning #IndexFunds

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Disclaimer: The discussion in this episode is for general educational and entertainment purposes only and should not be considered tax, legal, or investment advice specific to any individual.