I would say Dave Ramsey is fine, but after you're already out of debt (or never in debt to begin with) and have excess money to invest, read read read! Robert Kiyosaki is an excellent author. Definitely familiarize yourself with Warren Buffet. The book that I have found to be the best and easiest to digest, especially for beginners, is "How Buffet Does It" by James Pardoe. It's not a long book, the concepts are very simple and easy to read and understand, and I would say that would be an excellent start for somebody trying to learn about investing. My only reservation on the "Buffet"style of investing is that it is entirely focused on the stock market. People who are 100% invested in paper assets often get the delusion that they are diversified when in fact they are not. There is also real estate, precious metals, and commodities, not to mention business ventures for those who are of a more venturous spirit. Looking at different markets is valuable for finding the investment bargains, and it's an aspect of investing that many investors overlook. But with all that said, don't ever forget the principles that got you to where you're at now. Either you received a big inheritance or you're doing something right.

You've no debt and saved a fair amount of money at a young age. Mr. Ramsey has a good message, but no, you've outgrown it with your record. Just keep doing what you're doing. Buy investments you don't need to worry about (Birkshire, S&P index, etc.) and spend your energy planning a vacation.

No, he is a motivational speaker to talk people into getting out of debt not a financial adviser. Edward Jones charges a commission to manage your money. Learning to manage your own isn't hard and you can make twice as much. Buy index funds if you don't have better ideas. I like ETFs and mutual funds but learn about loads and fees and other cost. Try to find low cost without loads. A load is a sales commission so pick your own and save that money. Some you pay maybe 5% just for them to tell you which fund they would pick for you, some it isn't paid until you withdraw the money and some have an annual fee named 12b1. I like the Charles Schwab ETFs on the select list so you have no fees.

You should go to talk to someone at both Fidelity and Edward Jones. See if there is an office in your area. Do not just take the advice of this Dave Ramsey. by talking to others you can get more knowledge and tips. Edward Jones is quite good. They have bonds that have a good interest rate and many other good investments. Talk to them and then they will give you info and you can think about it further with more knowledge of the types of investments available and they will help you.

No. I have much of my funds in REITs. These return a solid 5% to 7% a year and will do so year in and year out, good markets or bad. While the price of each share may vary, I never sell my shares anyway. These investments take the place of a government pension for me and if you put them in an IRA, the principal will double every 14 years.

Or you can take the money out. When I retire, I get a nice monthly income and 100% of the principle value will go to my family. Unlike an annuity where they would get nothing.

Regardless, grow your retire savings inside a self directed IRA. If you listen to the guru of the hour, fine but never put more than 1/6 of your money in what they say.

Once you take away financial jargon, investing is really just understanding risks to benefit ratio. You'll be more confident once you make an investment and see a positive return. Feel free to contact me at gerardakingiii@gmail.com for more info.

Somehow I am skeptical that you are novice. Dave Ramsey's method has suited well so far. Why not proceed ....slowly. btw, you own your own home right? Good luck, although I doubt you'll need it.

Warren Buffett, the greatest investor of our time. Search for articles by and about him.

In a nutshell: Buy (high) quality and hold for decades.

Go to assetbuilder.com and read about the Couch Potato Cookbook.

Diversify and Conquer!

You shouldn't look to any "figures." Start with the basics: read "Investing For Dummies."

Invest in a mutual fund.

Im 29. I've never had debt of any type and I live well within my means. Im a complete novice in regards to the world of investing. I've known about Dave Ramsey for a decade now, and I have heavily modeled my money management philosophy after him. However, I dont know if he is any good in regards to investing.

If he isnt someone I should model my investment philosophy afterwards, who is?

That is a lot of money.