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Source document· June 21, 2026

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

View original at finance.yahoo.com
Dave Ramsey says most millionaires just copied the guy in the next cubicle — not debating the perfect portfolio Jackson Laizure/Getty Images Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below…
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  • 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
  • Long-term market outperformance by active fund managers is the exception and not the rule.

    60% confidence
  • 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
  • 100% of people who invest end up with more money than those who don't, every time.

    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
  • 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
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Q4 2026 Biotech Catalyst Cluster: Late-Stage Data and PDUFA Dates Converge
Early-to-mid November 2026 is a dense run of clinical readouts and Q3 earnings at AHA, AASLD, ACR and ASH. Mid-cap biotechs (Vir, Mineralys, Arrowhead, Oryzon, Novartis, J&J) are reporting data that feeds into regulatory decisions. The next ones are the ivonescimab BLA (Nov 14) and the lorundrostat PDUFA (Dec 22), followed by ECLIPSE 2/3 and Maritime-1 readouts in Q1 2027. The list also includes an unrelated delisting track (EGM Nov 19, application Jan 25, 2027), and the facts have no AI or fintech content.
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Satellite-Terrestrial Network Integration Acceleration
Increased investment and launches in hybrid satellite-cellular networks across telecom industry; competitive responses from other carriers; regulatory activity around satellite spectrum; expansion of emergency/rural connectivity use cases
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Là où les sources divergent
Ford Motor Company
Both facts give cash for Ford Motor Company at the same point in time (2025-12-31; FY 2025 year-end and Q4 2025 year-end are the same date). Both are labelled USD, but the values are 23,356,000,000 and 23.356, which cannot both be true in USD. The two numbers agree once the second is read as billions (23.356 bn = 23,356,000,000), so the economic content is consistent and the conflict is a unit/scale error in the Q4 2025 record. The period is not the reason for the conflict: a Q4 and an FY figure at the same year-end date should match.
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