Dave Ramsey's investing advice falls short, study finds

It’s not that hard to beat the S&P 500? Actually, 93.1% of mutual funds fail to do exactly that over 15 years. Despite claims that 12% returns are standard, history shows they occur in only 4% of 40-year periods. Even the 8% retirement withdrawal rule fails 80% of the time. By shunning index funds and Bitcoin, this "safe" advice is statistically likely to leave you underfunded. Is following this math a smart move or a financial disaster in the making? What’s your take?
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