Dave Ramsey isn't losing sleep over market dips. In fact, he says he smiles when the stock market goes down.
“Most people panic when the stock market dips. I don’t. I smile,” Ramsey said in a recent X post. “Because I’m not investing for 30 minutes. I’m investing for 30 years.”
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Ramsey Says Down Markets Are Buying Opportunities
The personal finance expert believes that short-term noise distracts people from long-term goals. When markets drop, Ramsey sees opportunity.
“If you have a long-term mentality and the stock market goes down, those of us that have been investing in the market steadily for 30 or 40 years, not 30 or 40 minutes, we smile when it goes down and buy more. It's on sale,” he said in a recent video.
Ramsey doubled down on that message during a call with a 26-year-old listener who said he grew up hearing his advice every day in the car with his mom. The caller was concerned about market volatility and how to grow wealth during uncertain times.
Ramsey quickly clarified: “There’s nothing to indicate that this is a crash. Nothing. The U.S. economy is not imploding. Not even close.”
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He explained that what often looks like a financial crisis is usually just a temporary dip made worse by hype and uncertainty. “The stock market is having a bit of a temper tantrum over tariffs,” Ramsey said, noting how unpredictable policies can shake investor confidence.
Stay In The Market, Tune Out The Noise
Ramsey emphasized the importance of sticking to a long-term plan and not making emotional decisions based on news cycles.
“You can’t listen to the news to give you input for investing decisions because the news is full of drama queens,” he said. “Then you get addicted to the fear porn that they peddle.”
He said people often panic during dips but stay quiet during booms. As he explained, the S&P went up 26% in 2023 and another 23% in 2024. “Did you hear a single person on Fox News or CNN go ‘Look how great the market is, Wow!’ Not one. But are they all screaming and like there’s blood in the streets and there’s a crisis and the entire US economy has collapsed?”
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For anyone second-guessing their portfolio during a downturn, co-host George Kamel offered two key reminders: “When in doubt, zoom out” and “Time in the market beats timing the market.”
He also reminded the caller that temporary losses aren't real losses unless you sell. “You have the same exact amount of shares that you had before. The value has temporarily taken a dip. It will come back.”
Ramsey even shared that he had $5 million in an S&P 500 account earmarked for a real estate purchase. Despite a recent $200,000 drop in value, he said he hasn't lost anything. “I didn’t sell. If you sell, you take the loss. You lock it in.”
The bottom line? “We're going to invest when it's up and we're going to invest when it's down. Then we're going to look up and be worth millions of dollars.”
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