emergencyBreaking NewsBurry’s NVIDIA Bets Signal Skepticism as AI Spending SoarsSelling During Market Volatility Turns Temporary Losses Into Permanent OnesSocial Security’s insolvency date moves up as tax and immigration policies drain revenuePayment giants are integrating blockchain into existing rails to make crypto invisibleCathie Wood’s Portfolio Rotation Reveals a Narrower Bet on Transformational TechBurry’s NVIDIA Bets Signal Skepticism as AI Spending SoarsSelling During Market Volatility Turns Temporary Losses Into Permanent OnesSocial Security’s insolvency date moves up as tax and immigration policies drain revenuePayment giants are integrating blockchain into existing rails to make crypto invisibleCathie Wood’s Portfolio Rotation Reveals a Narrower Bet on Transformational Tech
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Home/Financial Foundation/DAVE RAMSEY

Selling During Market Volatility Turns Temporary Losses Into Permanent Ones

TL

Talia Lockwood

Dave Ramsey · Apr 11, 2026

Selling During Market Volatility Turns Temporary Losses Into Permanent Ones

Source: The Digital Ledger Data Terminal

Selling investments out of fear during a market dip reduces long-term returns. This occurs because missing a handful of rebound days can significantly lower the overall growth of a portfolio. Selling locks in losses that would otherwise be temporary, turning them into permanent ones.

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personal finance

A $1,700 monthly rent payment turns $80,000 in savings into a finite timeline

A 64-year-old woman on Social Security disability earns $2,300 a month. Her rent is $1,700. This leaves $600 to cover food, utilities, transportation, and prescriptions. When expenses exceed that amount, she draws on savings from an IRA and equity account totaling $80,000. Annual drawdowns range from $4,000 to $8,000, including a $8,000 withdrawal for a transmission replacement last year. At a $6,000 annual drawdown, the $80,000 savings base lasts approximately 13 years. The savings will run out.

Recent market volatility was triggered by escalating tensions between the U.S. and Iran. Oil prices spiked after Iran largely closed the Strait of Hormuz, which increased uncertainty for investors and caused portfolios to dip.

Related Brief1d ago
retirement planning

Claiming Social Security at 62 could mean a 30% cut now — and a 23% cut later

A retiree who claims Social Security at 62 could see monthly benefits slashed by about 30% compared to full retirement age. That cut could deepen by 2032, when Social Security’s trust fund is projected to run out. At that point, benefits may be cut by another 23%. For someone already receiving reduced payments, the combined effect could leave them with less than half the monthly income they would have collected by waiting until 67. The earliest age to claim Social Security is 62. But for those born in 1960 or later, full retirement age is 67. Waiting until then — or up to age 70 — increases monthly benefits. Dave Ramsey has long advocated claiming at 62, arguing that taking payments early maximizes lifetime benefits if a person dies sooner than expected. He also suggests investing the early payments to grow wealth. But many retirees need Social Security to cover basic living costs and cannot afford to invest the money. For those who live longer than expected, the reduced checks become a growing burden. The Congressional Budget Office projects the Social Security Old-Age and Survivors Insurance (OASI) Trust Fund will run out of money by 2032. Without legislative action, the program would only be able to pay about 77% of scheduled benefits. A retiree who claims at 62 and faces a 23% cut in 2032 could receive monthly benefits reduced by nearly half compared to full retirement age.

Dave Ramsey advises investors to maintain a long-term mindset, typically thinking in terms of at least three to five years. He points to the COVID-19 market crash as an example, noting that the market recovered to pre-pandemic levels 57 days after the plunge in early 2020.

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mortgage rates

Middle East Ceasefire Cuts Monthly Mortgage Payments by $120

A borrower with a $400,000 loan saves $120 a month on a current 30-year fixed mortgage. This decline follows five straight increases that had pushed rates to their highest level in nearly seven months. The average 30-year fixed mortgage rate dropped to 6.37% from 6.46%, according to Freddie Mac. These shifts were driven by an easing in bond yields. The 10-year U.S. Treasury yield dropped to 4.23% from 4.3% a week ago. Bond yields eased after the U.S. and Iran agreed to a two-week ceasefire. West Texas Intermediate crude oil prices plunged 18% to $92 a barrel on the news, while Brent crude oil prices fell from a late March peak of $115.85 a barrel to around $90 a barrel.

Dave Ramsey

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