# E102 - I Checked Dave Ramsey's 12% Math. Average Rate Of Return Is Misleading…

Page: https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e102-i-checked-dave-ramsey-s-12-math-average-rate-of-return-is-misleading
Text version: https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e102-i-checked-dave-ramsey-s-12-math-average-rate-of-return-is-misleading.md
Podcast: [Remnant Finance - Infinite Banking (IBC) and Capital Control](https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217)
Published: 2026-06-05T14:13:53+00:00
Episode link: https://podcasters.spotify.com/pod/show/remnant-finance/episodes/E102---I-Checked-Dave-Ramseys-12-Math--Average-Rate-Of-Return-Is-Misleading-e3kcnq1
Audio file: https://anchor.fm/s/f80e64e4/podcast/play/121052417/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-5-5%2F54b8fe9f-07e6-df81-ca95-518cf26838f9.mp3
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JSON: https://stenobird.com/v1/public/podcasts/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/episodes/e102-i-checked-dave-ramsey-s-12-math-average-rate-of-return-is-misleading
Duration seconds: 3274

## Resource

Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________ In this episode, Hans tackles the two questions every listener is asking right now: is AI a bubble, and why does the market keep hitting record highs while everyone feels anxious? Then he dismantles what he calls the "holy grail" of mainstream financial planning, the average rate of return. Using the exact numbers from a popular Dave Ramsey article, Hans proves that a projected $2.6 million retirement would have actually delivered far less, even with perfect hindsight and zero down years to spare. If you've ever been shown a smooth, parabolic growth chart by an advisor, this episode will change how you read it forever. Chapters: 00:00 – Opening segment 00:35 – Two things at once: record highs and record-low sentiment 02:10 – The cash flow vs. net worth philosophy 04:30 – Building a guaranteed cash flow floor instead of chasing FOMO 07:25 – Is AI a bubble? Bubbles with value vs. bubbles without 13:40 – Why AI is shattering earnings: more profit on a shrinking workforce 17:25 – The companies that won't survive the shakeout 22:30 – Oil, the Fed, and why rate cuts don't move the market like they used to 27:50 – The myth of the perfect parabola 29:25 – Math is not money: the grift in action 33:40 – $2.6 million vs. reality: running 30 years…

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