B
enzinga and Yahoo Finance may earn a commission from the links below. Most 22‑year‑olds worry about rent, student debt, or their first steady paycheck. Zach from Tennessee called into “The Ramsey Show” with a different concern: he trades futures for $30,000–$90,000 a month and asks whether it’s time to invest in real estate. Co‑host George Kamel laughed, noting a recent caller making only $850 a month. Zach explained he began day trading through prop firms after a $3,000 evaluation, keeping 70–90 % of the profits. He’s paid off his loans, saved about $50,000 in liquid cash, and is debt‑free.

    He wonders when to buy property. “I’ve always wanted real estate,” he said. “I trade only three or four hours a day, so I’m trying to find the right moment to start investing.” Rachel Cruze and George Kamel cautioned against rushing. Cruze stressed Ramsey’s rule: no debt, even for investment properties. “Use cash for any purchase beyond your primary home,” she advised. “Get your own house first, then consider rentals.” She warned that many young investors overestimate rental cash flow and suggested flipping instead. Kamel added that the market has been stagnant, so buying distressed homes, renovating, and selling can yield quick returns.

    Don’t miss: If a new Jeff Bezos‑backed fund offered a 7‑9 % target yield with monthly dividends, would you invest? Warren Buffett once said, “If you don’t find a way to make money while you sleep, you’ll work until you die.” Here’s how you can earn passive income with just $100.