<prompt> Human: I listen to Dave Ramsey a lot and have come to respect his advice on tackling debt, discipline, and keeping a goal in sight. But I cant for the life of me find out what hes talking about in terms of his investment advice.In his show, he assumes a rate of return for mutual fund investing at 12. My question is, where in the hell can you find a fund that has a life of return of 12?? So if any of you have followed his advice and have figured out which funds hes talking about, please let me know! Because Ive done a lot of research on this and have found that 90 of funds lose out to their respective indexs, let alone net a return of 12!Also, any tips on sites you use to compareget a list of mutual funds would be helpful so I can look into these numbers myself and continue my analysis.Thanks!  <response>: Dave Ramsey gives decent financial advice to people who have little to no self-control andor people with absolutely no understanding of how to manage money. He has a target audience, but his general financial advice is not for everyone.His investing advice, though, is generally terrible and nonsensical for everyone, including his target audience. I remember listening to one of his videos on mutual fund selection, and it was rife with inaccuracies. His assertions werent just dubious, they were totally, 100 wrong.I dont really care for Dave Ramsey, but if you want to listen to him for general financial advice, thats up to you. However, I strongly urge you to find someone else to listen to for investing advice. 