Annuity companies are vultures, they prey on people who don’t know how to handle their money. Same goes for brokers and advisors.
As far as dave Ramsey, along with suze orman, I wouldn’t listen to them for advice at all. Suze is particularly bad because the 1st thing she wants you to do is pay off your home, even if you can’t afford living there. Dave has good ideas about getting out of debt, but that’s it.
If you want a good book on investing, read any or all from John Bogle, and become a boglehead.
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