Podcast Summary: "You’re Not Going To Hear This on the News"

Podcast: The Ramsey Show Highlights
Host(s): Dave Ramsey, Jade Warshaw
Date: January 12, 2026
Duration: ~10 minutes

Overview

In this episode, Dave Ramsey and Jade Warshaw push back against the constant negative financial headlines in the news, shining a spotlight on the strong performance of the stock market over the past three years. Their message: the news rarely reports good financial news, and focusing on long-term investing—regardless of the noise—is the smart play. They use real numbers to illustrate the benefits of steady investing and encourage listeners to get out of debt and start investing, rather than letting fear dictate their financial decisions.

Key Discussion Points & Insights

1. The News Only Reports the Negative—Here’s the Good News

• Dave Ramsey (00:06): Kicks off by criticizing the news for focusing only on market downturns, not the wins.
• Market Highlights (00:12 – 00:50):
  • S&P 500 performance:
    • 2023: up 26%
    • 2024: up 25%
    • 2025: up 16%
  • Over three years, a $100,000 investment nearly doubles to about $170,000.
    • Quote:

      "If you had $100,000 in your 401k in a basic growth stock mutual fund, if you've added nothing to it, you now have almost doubled it at 170." — Dave Ramsey (00:35)

2. Ignored Gains & The Cost of Worry

• Jade (00:54): Emphasizes how much money people have missed out on by letting bad news scare them out of investing.
  • Quote:

    "That's a lot of money that you missed because you were watching the news worrying about government shutdowns..."

• Dave (00:56 – 01:48): Shares his own approach: consistent investing regardless of headlines.
  • References years of market scares that ultimately proved irrelevant.
  • Quote:

    "I'm just the tortoise. I just keep investing every week, every day, every month." — Dave Ramsey (01:05)

3. Long-Term Investing Outpaces Fear & Savings

• Dave (01:49 – 02:41): Illustrates that even mediocre mutual funds outperformed high-yield savings accounts by a wide margin during the bullish years.
  • Quote:

    "If you have a mutual fund that sucks so bad that your mutual fund did half as good as the stock market, you still did three times what your high yield savings would have done." — Dave Ramsey (02:24)

4. Action Steps and Mindset Shifts

• Invest Consistently & Ignore the Noise (03:22 – 03:29):

  • Both hosts encourage listeners to stay focused, avoid being swayed by negative headlines, and keep investing.
  • Quote:

    "You keep investing and you don't stop investing. And if you need to turn off the news, it's not a bad idea." — Dave Ramsey (03:23)

• Get Out of Debt to Take Advantage (03:29 – 03:42):

  • The importance of getting out of debt to be positioned for investment growth.
  • Quote:

    "The time is get your butt out of debt. So you get to take advantage of this." — Dave Ramsey (03:34)

5. Results of Staying in the Market

• Dave (03:39 – 04:05): Breaks down what the recent run means for larger portfolios:

  • $1 million invested: $700,000 made in three years.
  • $10 million invested: $7 million gained in three years.
  • Emphasizes these gains aren’t guaranteed for the future, but this is what steady investing has provided.
  • Quote:

    "That means you made $700,000 in three years on your million sleeping." — Dave Ramsey (03:41)

• Jade (04:05): Lightheartedly notes Dave’s good mood is justified.

  • Quote:

    "But it explains why you're in such a good mood." — Jade (04:05)

• Dave (04:10): Attributes his positivity to investing results—and coffee.

  • Quote:

    "That and coffee. Yes. I love it." — Dave Ramsey (04:10)

Notable Quotes & Memorable Moments

• On the media’s selective reporting:

  "You're not going to hear this on the news, okay? The only thing you hear on the news is when the whole world's coming to an end." — Dave Ramsey (01:49)

• On consistency:

  "I'm just the tortoise. I just keep investing every week, every day, every month." — Dave Ramsey (01:05)

• On practical advice:

  "If you need to turn off the news, it's not a bad idea." — Dave Ramsey (03:23)

Timestamps for Important Segments

• 00:06 — “They never report good news.”
• 00:35 — The math of steady investing over 3 years
• 01:05 — Dave’s consistent, long-term approach
• 01:49 — You’re not going to hear this on the news
• 02:24 — Mutual funds vs. high-yield savings
• 03:23 — Stay invested, ignore the noise
• 03:34 — Get out of debt to take advantage
• 03:41 — What it means for $1M and $10M portfolios
• 04:10 — “That and coffee. Yes. I love it.”

Takeaways

• Don’t let negative headlines dictate your financial strategy; history shows markets often outperform fears.
• Steady, disciplined investing—regardless of current events—yields powerful long-term results.
• Ignore sensationalist news, focus on getting out of debt, and get in the market to enjoy real compound growth.

Original tone: Encouraging, blunt, down-to-earth, and practical—true to the Ramsey Show style.