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<a href="https://www.benzinga.com/personal-finance/24/11/42026823/this-is-how-you-get-wealthy-dave-ramsey-details-how-one-move-could-make-you-5-million-by-retirement">Dave Ramsey</a> has made millions as an investor and an author, but you might not know it by looking at him. He once said in a Facebook post "<a href="https://www.facebook.com/daveramsey/posts/most-millionaires-dont-drive-fancy-carsand-that-might-surprise-youthe-truth-is-m/1142002823955997/">Most millionaires</a> don't drive fancy cars—and that might surprise you. The truth is most millionaires live simple, disciplined lives. They don't waste money on luxury cars or big mansions. Instead, they follow a proven plan, avoid debt, and let their wealth grow over time."&nbsp;
The<a href="https://247wallst.com/investing/2024/05/08/8-times-dave-ramsey-nailed-it-with-savings-advice/"> 24/7 Wall Street</a> website also quoted Ramsey as saying, &#8220;A typical millionaire lives in a middle-class house, drives a two-year-old or older car, and buys blue jeans at Walmart.&#8221; It sounds more like Ramsey is describing your door neighbor than a millionaire, but his words are profound. Ramsey knows being worth over $1 million doesn't guarantee a lifetime of financial security, which is also why he's a proponent of developing<a href="https://www.benzinga.com/real-estate/25/03/44292825/heres-how-you-can-earn-100-in-passive-income-by-investing-in-public-storage-stock"> passive income streams</a>.
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Being worth $1 million may have allowed you to live a high lifestyle in the mid to late 20th century, but the relentless march of inflation means $1 million doesn't go nearly as far as it used to. The median American household income is $80,610 per year, according to the<a href="https://www.census.gov/library/publications/2024/demo/p60-282.html"> US Census</a>. So, theoretically, every $1 million you have will allow you to live like an average American for 12 years.
It would take $3 million to go over thirty years without working, but your money won't last nearly that long if you're buying luxury cars, dining out, and living an excessively lavish life. Remember, inflation is going to be climbing for every one of those years, so you don't have much choice about leading a relatively modest lifestyle if you want your money to last.
That assumes your net worth is all cash, which it likely isn't. Most Americans have a significant portion of their net worth tied up in their homes, and the<a href="https://fred.stlouisfed.org/series/MSPUS"> Federal Reserve</a> says the median home sale price for American homes was $419,200 in Q4 2024. However, that includes millions of properties in less expensive regions like the Plains, the South, and the Upper Midwest.
Trending: BlackRock is calling 2025 the year of alternative assets. <a href="https://www.benzinga.com/money/masterworks">One firm from NYC has quietly built a group of 60,000+ investors who have all joined in on an alt asset class previously exclusive to billionaires like Bezos and Gates.</a>
Median home prices over $1 million are becoming increasingly common in America's major metropolitan areas, especially on the coasts. So, you could be a typical homeowner in Los Angeles or San Francisco and have a net worth that approaches or exceeds $1 million. However, you wouldn't be super rich, and you would have no illusions about the fact that you were not super-rich.
You'd likely be living as frugally as possible to maximize your money. That would mean living in a regular, middle-class house, not a mansion. You would probably drive a slightly older used car and not buy the newest model year as soon as it came out. You might even shop at a Walmart. In other words, your life would sound a lot like the one Ramsey described.
Read Next:
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<li>Can you guess how many Americans successfully retire with $1,000,000 saved?<a href="https://www.benzinga.com/money/1milsaved"> The percentage may shock you</a>.</li>
<li>Dogecoin millionaires are increasing –<a href="https://www.benzinga.com/money/dogecoin-millionaires"> investors with $1M+ in DOGE revealed!</a></li>
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Personal Finance

Why Dave Ramsey Says Your "Typical Millionaire" May Look Just Like Your Next Door Neighbor

French MEP Raphael Glucksmann expressed gratitude for American sacrifices during World War II, amidst escalating tensions between the U.S. and EU.
What Happened: On Wednesday, Glucksmann took to X to share his views on the current U.S.-European relations. He referenced a statement made by the White House spokesperson Karoline Leavitt, saying, &#8220;As the press secretary for this shameful Administration said: without your nation, France would have &#8216;spoken German.&#8217; In my case, it goes further: I would simply not be here if hundreds of thousands of young Americans had not landed on our beaches in Normandy.&#8221;
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
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<blockquote class="twitter-tweet" data-width="500" data-dnt="true">2. As the press secretary for this shameful Administration said: without your nation, France would have &quot;spoken German.&quot; In my case, it goes further: I would simply not be here if hundreds of thousands of young Americans had not landed on our beaches in Normandy. <a href="https://t.co/Yy4ELT7OuL">pic.twitter.com/Yy4ELT7OuL</a>
&mdash; Raphael Glucksmann (@rglucks1) <a href="https://twitter.com/rglucks1/status/1901749044268908874?ref_src=twsrc%5Etfw">March 17, 2025</a></blockquote>
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Glucksmann said in the thread on X that European gratitude to American World War II heroes is &#8220;eternal.&#8221; He compared the prevailing policies of the Trump administration toward Russia and Ukraine with the bravery of U.S. heroes during the war.
&#8220;The America of these heroes fought against tyrants, but it did not flatter them. It was the enemy of fascism, not the friend of Putin. It helped the resistance and didn&#8217;t attack Zelensky.&#8221;
See Also: <a href="https://www.benzinga.com/25/03/44368264/toronto-excludes-tesla-from-ev-incentives-amid-trump-tariff-war-mayor-says-dont-count-on-taxpayer-money">Toronto Excludes Tesla From EV Incentives Amid Trump Tariff War: Mayor Says, &#8216;Don&#8217;t Count On Taxpayer Money&#8217;</a>
Why It Matters: This post comes in the wake of Glucksmann&#8217;s controversial suggestion that the US should return the <a href="https://www.benzinga.com/content/44351406/statue-of-liberty-should-be-returned-to-france-french-mep-suggests?utm_source=msn.com&amp;utm_campaign=partner_feed&amp;utm_medium=partner_feed&amp;utm_content=in">Statue of Liberty</a> to France, criticizing the US for aligning with authoritarian leaders and attacking scientific freedom.
The MEP said he was &#8220;petrified&#8221; by Trump&#8217;s &#8220;betrayal.&#8221; and that is why he suggested that the Statue of Liberty be taken back by France &#8220;symbolically.&#8221; Glucksmann termed it a &#8220;wake up call.&#8221;
The tensions between the US and EU have been escalating recently, with Trump threatening to <a href="https://in.benzinga.com/markets/25/03/44301836/trump-warns-of-200-tariff-on-french-champagne-and-eu-spirits-in-retaliation-to-europes-tariff-on-us-whiskey">impose a 200% tariff</a> on EU alcoholic products in response to a 50% tariff on US whiskey by the EU. 
Analysts suggest that Trump&#8217;s unpredictable policies, particularly concerning tariffs and the Russia-Ukraine conflict, are causing a <a href="https://in.benzinga.com/markets/equities/25/03/44214508/trumps-chaotic-policies-may-drive-investors-to-europe-says-analyst-quite-a-shift-in-the-world-order">shift in investment trends</a>, with money flowing out of the U.S. stock market and into Europe.
Image via Shutterstock
Did You Know?
<ul>
<li>Congress Is Making Huge Investments. <a href="https://www.benzinga.com/gov-trades">Get Tips On What They Bought And Sold Ahead Of The 2024 Election With Our Easy-to-Use Tool</a></li>
</ul>
This story was generated using <a href="https://www.benzinga.com/author/benzinga-neuro">Benzinga Neuro</a> and edited by <a href="https://www.benzinga.com/author/shivdeep-dhaliwal" target="_blank" rel="noreferrer noopener">Shivdeep Dhaliwal</a>

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Politics

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Trump Press Secretary Blasted By French MEP Over Statue Of Liberty Reaction: 'If Hundreds Of Thousands Of Young Americans Had Not Landed On Our Beaches...'

Some people pay Grant Cardone thousands of dollars for his coaching, but a 12-year-old kid recently got an entire crash course for free. Not only that, but Cardone donated to the kid's school after giving his impromptu sales coaching session.
However, the sales advice wasn't just for the kid. Cardone posted the <a href="https://www.youtube.com/watch?v=OVtcrqJJYQs">video</a> on his YouTube channel, and it has practical advice that any sales professional can use.
<h2 class="wp-block-heading">Keep It Nice, Tight, and Concise</h2>
Cardone started by listening to the student's sales pitch and then proceeded to ask for his name. It turns out this was the third time he asked for the kid's name, and the real estate investor responded by saying that people don't remember things.
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It's a valuable nugget that receives more clarity after Cardone shifts into giving advice. He recommends keeping the pitch nice, tight, and concise. Not only do people forget things, but they are also busy. A strong hook can keep them interested in what you have to say and potentially lead to a sale.&nbsp;
<h2 class="wp-block-heading">Know How Much You Can Charge</h2>
This isn't your typical sales video, as Cardone decides to add some suspense to keep viewers engaged. Instead of telling the 12-year-old how much he will donate, Cardone turns it into a challenge.&nbsp;
He invites the student to write down how much he wants Cardone to give, and Cardone writes his own number. Cardone says he will only donate to the school if the student asks for less money than Cardone is willing to give. Asking for the full $20,000 the student is aiming for would have resulted in a rejection. The boy could have guaranteed money by asking for $1, but that would have been leaving money on the table.
Trending: The secret weapon in billionaire investor portfolios that you almost certainly don't own yet. <a href="https://www.benzinga.com/money/masterworks">See which asset class has outpaced the S&amp;P 500 (1995-2024) – and with near-zero correlation.</a>
In the end, the student asked for $500, and Cardone showed that he was willing to give $1,000. The real estate investor congratulated the student and said he would donate $1,000.
This part of the video demonstrates the value of knowing your customers and how much you can charge. You have to keep the customer in mind and consider how much they can afford when presenting your offer. Sometimes, it may require walking away from a customer who cannot afford your services, but that didn't take place in the video.
<h2 class="wp-block-heading">Always Get to the Ask</h2>
Every sales pitch eventually has to get to the ask. Practicing the pitch and reviewing some bullet points can help you navigate the presentation better and make an ask. It's worth knowing the different ways you can make an ask. Having multiple options can help you tailor your request to the potential client's budget, mentality, and other details you pick up during the conversation.
See Also: Have $200K saved?<a href="https://www.benzinga.com/money/have-200k-saved-heres-how-to-turn-it-into-lasting-wealth"> Here's how to turn it into lasting wealth</a>
The sales pitch ends quickly after the prospect says yes. Instead of mudding the waters, provide a way for the prospect to make a payment. The boy tells Cardone about a QR code that he can use to make a payment. This is a great sales tactic since it shifts the conversation into making a payment.
Once you get someone to buy a product or service, it becomes much easier to sell them additional products and services in the future.
Cardone provided the 12-year-old with a mini masterclass on sales. Cardone expressed confidence in the kid's "killer instinct" and believes that he can become successful in sales. Teaching young kids about sales and real-life skills, just as Cardone did, can set them up for better careers in the future.
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Grant Cardone Helps 12-Year-Old Perfect His School Fundraising Sales Pitch With Advice Anyone Can Apply -- 'Always Get To The Ask'

Coinbase Global Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COIN#NASDAQ">COIN</a>) on Tuesday launched Verified Pools, a new initiative designed to improve transparency and security in decentralized finance (DeFi) liquidity pools.
The <a href="https://www.coinbase.com/en-gb/blog/the-future-of-onchain-Liquidity-is-here-via-coinbase-verified-pools">move </a>comes amid growing scrutiny of risks associated with DeFi platforms, particularly regarding opaque liquidity sources and counterparty risks.
The product, available to users in the U.S., Singapore, the Netherlands, British Virgin Islands, Cayman Islands and Channel Islands, introduces a verification system that integrates identity checks through Coinbase Verifications.
The system aims to reduce the uncertainty associated with who is providing liquidity in these pools, a common issue within DeFi ecosystems.
Verified Pools uses the Uniswap v4 protocol and operates on Coinbase&#8217;s Base layer-2 network, which focuses on reducing transaction fees and improving transaction speeds. 
Coinbase has also partnered with risk modeling firm Gauntlet to help optimize the liquidity pool configurations.
For institutional participants, Verified Pools offers features such as concentrated liquidity strategies, restricted access via verified credentials, and non-custodial asset management through Coinbase&#8217;s Prime Onchain Wallet. Institutions can also connect via API for liquidity provisioning.
Also Read: <a href="https://www.benzinga.com/markets/cryptocurrency/25/03/44383209/solana-underperforms-historical-bitcoin-ethereum-volumes-on-first-day-of-cme-futures-trading">Solana Underperforms Historical Bitcoin, Ethereum Volumes On First Day Of CME Futures Trading</a>
Retail users are provided with simplified access to liquidity pools through Coinbase Wallet. 
The system allows direct interaction with pools while offering verified liquidity sources aimed at reducing potential risks. 
Users maintain full control over their assets while participating in onchain trading.
"Verified Pools is the next step in Coinbase's commitment to advancing the onchain ecosystem," the company stated, indicating plans to expand, though no specific schedule has been set.
Despite the new offering, Verified Pools enters a competitive market where DeFi participants already have access to a variety of liquidity solutions on decentralized exchanges. 
Coinbase's approach highlights the increasing trend of incorporating identity verification into DeFi protocols, as regulators and users push for higher security and transparency standards.
Coinbase said the new product is part of its broader strategy to expand onchain adoption, but stopped short of offering specifics on future geographic expansions or additional features.
The company has stated that Verified Pools will continue to evolve, with further developments expected depending on user demand and regulatory requirements across different markets.
Read Next: • <a href="https://www.benzinga.com/markets/cryptocurrency/25/03/44380265/bitcoin-is-past-the-bull-cycle-peak-top-analyst-warns">Bitcoin Is &#8216;Past The Bull Cycle Peak,&#8217; Top Analyst Warns</a>
Photo: Shutterstock

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Cryptocurrency

COIN

Coinbase Introduces Verified Pools For Clearer Onchain Liquidity In Limited Areas

Tesla, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) took another hit on Tuesday when NVIDIA Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>) and General Motors Co. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GM#NYSE">GM</a>) announced they will partner on<a href="https://www.benzinga.com/tech/25/03/44383445/nvidia-ceo-jensen-huang-announces-gm-partnership-the-time-for-autonomous-vehicles-has-arrived"> self-driving vehicles. </a>
What To Know: Nvidia CEO Jensen Huang announced the GM partnership, which will include robotics, in-vehicle hardware for advanced driver-assistance systems and in-cabin safety driving experiences, at the GPU Technology Conference (GTC) on Tuesday afternoon.
&#8220;The time for autonomous vehicles has arrived," Huang said.&nbsp;
Read Next: <a href="https://www.benzinga.com/news/events/25/03/44380519/soundhound-ai-at-2025-nvidia-gpu-technology-conference-in-car-voice-commerce-ecosystem-a-game-changer-for-automotivetech">SoundHound AI At 2025 NVIDIA GPU Technology Conference: In-car Voice Commerce Ecosystem &#8216;A Game-Changer For #AutomotiveTech&#8217;&nbsp;</a>
Tesla said it will begin its first robotaxi service in Austin starting in June 2025 using Tesla-owned vehicles equipped with an unsupervised version of the company&#8217;s Full Self-Driving (FSD) software. 
The Nvidia/GM partnership brings more competition for Tesla in the robotaxi space which already includes Alphabet Inc.‘s (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOG#NASDAQ">GOOG</a>) (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOGL#NASDAQ">GOOGL</a>) Waymo and Amazon.com Inc.'s (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMZN#NASDAQ">AMZN</a>) Zoox. 
Tesla shares have fallen nearly 50% year-to-date as the company faces declining sales, increased competition and political controversy.&nbsp;
Deepwater Asset Management managing partner Gene Munster told Benzinga that he remains bullish on Tesla.&nbsp;
"I&#8217;m still positive for the long term. Believe they&#8217;re the best positioned company for physical AI. Jensen talked about Physical AI today at the NVDA keynote," Munster said.&nbsp;
Huang reviewed the development of AI as a timeline and discussed how the focus shifted from generative AI to agentic AI and now to physical AI, or robotics. 
&#8220;Artificial intelligence has made extraordinary progress,&#8221; Huang said and explained the next phase is physical AI. 
&#8220;A new era of AI we call physical AI," he said.
Read Next:&nbsp;
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<li><a href="https://www.benzinga.com/etfs/specialty-etfs/25/03/44367584/black-swan-hedge-fund-posts-4000-profits-during-covid-19-market-crash-heres-how">Black Swan&#8217; Hedge Fund Posts 4,000% Profits During COVID-19 Market Crash: Here&#8217;s How</a></li>
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Photo: Shutterstock

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Tesla Takes Another Hit With Nvidia, GM Self-Driving Partnership

A newlywed couple called into "<a href="https://youtu.be/rMk7CKwJ8OM?si=uv9XNqRaExFM6ju0">The Dave Ramsey Show</a>" hoping for financial advice, but what they got was a brutal reality check. Their total debt? Just shy of $1 million. The breakdown was staggering: $335,000 in student loans, $136,000 in credit card debt, $44,000 in personal loans, $35,000 in car loans, and a $210,000 mortgage.
Dave Ramsey didn't waste any time getting to the heart of the problem. "You have $300,000 of credit cards and personal loans?" he asked, clearly stunned. Then came another gut punch: "Why does he, at 29 years old, run up a hundred grand in credit card debt?" The woman explained that her husband, 32, had made poor financial decisions, assuming he'd be able to pay it off over time. Spoiler: He didn't.
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<li>Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $100.</a></li>
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<h2 class="wp-block-heading">"You're Scared, and You Should Be"</h2>
Reality was sinking in fast. Ramsey zeroed in on what they were feeling: "You're scared, and you should be. You're disgusted, and you should be." This wasn't just about numbers on a spreadsheet—this was about their future, their marriage, and whether they could pull themselves out of the financial mess they had created.
And while $1 million in debt sounds extreme, their situation isn't as far from the average American household as some might think. According to the <a href="https://www.newyorkfed.org/microeconomics/hhdc">Federal Reserve</a>, total household debt in the U.S. hit an all-time high of $18.036 trillion as of Q4 2024, with the average household carrying $105,056 in debt. Sure, this couple was in the deep end, but <a href="https://www.benzinga.com/personal-finance/24/12/42746966/debt-and-broke-are-the-norm-says-dave-ramsey-explains-why-normal-isnt-working-for-most-americans-and-how-to-take-control-of-your-money">plenty of people are drowning</a>.
Trending: It&#8217;s no wonder Jeff Bezos holds over $250 million in art — <a href="https://www.benzinga.com/money/masterworks">this alternative asset has outpaced the S&amp;P 500 since 1995, delivering an average annual return of 11.4%. Here&#8217;s how everyday investors are getting started.</a>
<h2 class="wp-block-heading">"I'm Getting Ready to Destroy Your Life As You Know It"</h2>
Despite earning $230,000 per year, their spending had completely outpaced their income. Ramsey put it bluntly: "You've been living at about 10x where you're gonna get to live for the next three years."
Then came the reality check: "I'm getting ready to destroy your life as you know it." That meant no vacations, no eating out, no unnecessary spending of any kind. "You're not gonna see the inside of a restaurant unless it's your extra job or you're waiting on some of the people you work with during the day."
But Ramsey made it clear—this wasn't just a budgeting problem: "This is not a math problem. The math problem is the symptom. The problem is what's going on inside of you guys." Their spending habits weren't just about bad decisions; they were rooted in something deeper.
Trending: Can you guess how many Americans successfully retire with $1,000,000 saved?<a href="https://www.benzinga.com/money/1milsaved"> The percentage may shock you</a>.
<h2 class="wp-block-heading">The Road to Financial Survival</h2>
The couple mentioned they had enrolled in a credit card debt relief program, hoping it would ease their financial burden. Ramsey shut that down immediately, calling it a mistake. "The administrative layer is really, really, really pitiful. They're incompetent." His advice? Get out of the program, sell their rental property, and throw the $90,000 in equity straight at their debt.
He didn't sugarcoat the reality of what they were about to face. "You're gonna be living beans and rice, rice and beans. Your friends are gonna think you've lost your mind, and your mother's gonna think you need counseling."
<h2 class="wp-block-heading">A Wake-Up Call for Anyone in Debt</h2>
This couple didn't just need a budget tweak—they needed a <a href="https://www.benzinga.com/personal-finance/24/11/42026823/this-is-how-you-get-wealthy-dave-ramsey-details-how-one-move-could-make-you-5-million-by-retirement">full-blown financial intervention</a>. Ramsey drove the point home: "I'm gonna pinch the lifestyle out of you. And it's gonna change your life for the better."
See Also: Dogecoin millionaires are increasing –<a href="https://www.benzinga.com/money/dogecoin-millionaires"> investors with $1M+ in DOGE revealed!</a>
For anyone sitting on a mountain of debt, the takeaway is simple. Change won't be easy, but it's necessary. The good news? No situation is truly hopeless. Financial experts recommend several ways to get back on track:
<ul>
<li>Consulting a financial advisor to develop a structured repayment plan</li>
<li>Using the debt snowball or avalanche method to tackle balances strategically</li>
<li>Cutting unnecessary expenses to free up cash for aggressive debt repayment</li>
<li>Building an emergency fund to avoid future reliance on credit</li>
</ul>
The <a href="https://www.benzinga.com/money/are-you-rich">road to financial stability</a> requires discipline, but with the right approach, it's possible to turn things around—even if it means embarking on a beans and rice diet for a little while.
Read Next:
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<li>The average American couple has saved this much money for retirement —<a href="http://www.benzinga.com/money/smartasset"> How do you compare</a>?</li>
<li><a href="https://www.benzinga.com/money/arrived-private-credit-fund">Bezos' Favorite Real Estate Platform Launches A Way To Ride The Ongoing Private Credit Boom</a></li>
</ul>

'You're Scared And You Should Be' — Dave Ramsey Tells 29-Year-Old With Nearly $1 Million Of Debt He's Going To Destroy Her Life As She Knows It

<a href="https://www.benzinga.com/markets/cryptocurrency/25/03/44066066/robert-kiyosaki-forecasts-global-financial-meltdown-recommends-bitcoin-as-safe-haven-buy-b">Robert Kiyosaki</a>, the author of "Rich Dad, Poor Dad," has long been an advocate for financial education when it comes to successful investing. He recently took to Instagram to warn his followers of the risk of investing in things they don't fully understand.&nbsp;
<h2 class="wp-block-heading">Kiyosaki&#8217;s Advice: Learn First, Then Invest</h2>
In his Instagram <a href="https://www.instagram.com/p/DGAyJ-GzGyM/?igsh=NWFwOW1zcGVsaHpr">post</a>, Kiyosaki stated, &#8220;Don&#8217;t invest in what you don&#8217;t know. Learn first then invest.&#8221; He reinforced this message in the post's caption, writing:
&#8220;Want to lose money fast? &#x1f4b8; Simple: Invest in what you don't understand. The poor and middle class chase hot tips and gamble in markets they don't study. The rich? They invest in their education first.&#8221;
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<li>If there was a new fund backed by Jeff Bezos offering a <a href="https://www.benzinga.com/money/arrived-private-credit-fund">7-9% target yield with monthly dividends would you invest in it</a>?</li>
</ul>
Kiyosaki's main message is that many people enter the market without a clear understanding of how it works. They may follow advice from friends, social media, or financial news without doing their own research. According to Kiyosaki, this approach is more like gambling than investing, which can lead to significant financial losses.
<h2 class="wp-block-heading">Why Education Matters in Investing</h2>
Kiyosaki's philosophy centers on the idea that financial success comes from knowledge and strategy, not luck. His company, Rich Dad, emphasizes the importance of understanding different asset classes and <a href="https://www.benzinga.com/money/investing">investment strategies</a> before diving in.&nbsp;
According to the Rich Dad blog, there are five major asset classes to take into consideration when investing:&nbsp;
<ol>
<li>Real estate</li>
<li>Commodities</li>
<li>Business</li>
<li>Paper assets (like stocks and bonds)</li>
<li>Cryptocurrency</li>
</ol>
Trending: It&#8217;s no wonder Jeff Bezos holds over $250 million in art — <a href="https://www.benzinga.com/money/masterworks">this alternative asset has outpaced the S&amp;P 500 since 1995, delivering an average annual return of 11.4%. Here&#8217;s how everyday investors are getting started.</a>
Kiyosaki encourages investors to focus on the types of assets they are most interested in and start educating themselves more on that area. For example, stock market investors should learn more about specific methods of investing.&nbsp;
"The interesting thing is that most people only know of one way to invest in the stock market, so they never ask the question of how they should do it," the Rich Dad blog says.&nbsp;
<h2 class="wp-block-heading">Common Pitfalls of Investing Without Knowledge</h2>
Kiyosaki's warning reflects the reality that many investors make decisions based on market trends or emotional impulses rather than sound financial principles. According to a Magnify Money <a href="https://www.magnifymoney.com/news/emotional-investing/">study</a>, 66% of investors have made impulsive or emotion-based investing decisions that they later regretted.&nbsp;
The study also reports that 58% of investors agree their portfolio performs better when they leave emotions out of the equation; however, nearly half say that it's difficult to keep emotions at bay when investing.&nbsp;
See Also: Have $200K saved?<a href="https://www.benzinga.com/money/have-200k-saved-heres-how-to-turn-it-into-lasting-wealth"> Here's how to turn it into lasting wealth</a>
Some common investment mistakes include:
<ul>
<li>Chasing hot stocks – Investing in companies because they are popular rather than because of their fundamentals.</li>
<li>Following bad advice – Acting on tips from friends or influencers without independent research.</li>
<li>Overdiversification – <a href="https://www.benzinga.com/personal-finance/24/08/40605821/charlie-munger-said-you-dont-need-to-own-a-lot-of-things-in-order-to-get-rich-but-believed-you-a">Spreading investments too thinly</a> without a clear strategy, which can dilute potential returns.</li>
</ul>
<h2 class="wp-block-heading">Key Takeaway: Knowledge Before Action</h2>
Kiyosaki's message is straightforward: education comes before investing. Understanding how markets work and having a clear investment strategy can help prevent costly mistakes. For investors, this means taking the time to study asset classes, market trends, and financial strategies before putting money on the line.
As Kiyosaki puts it, &#8220;Learn first. Then invest. That's how the rich get richer.&#8221;
Read Next:
<ul>
<li>Dogecoin millionaires are increasing –<a href="https://www.benzinga.com/money/dogecoin-millionaires"> investors with $1M+ in DOGE revealed!</a></li>
<li>How do billionaires pay less in income tax than you?<a href="https://www.benzinga.com/money/tax-deferring-adv"> Tax deferring is their number one strategy</a>.</li>
</ul>

Robert Kiyosaki of 'Rich Dad, Poor Dad' Says Fastest Way To Lose Money Is Investing In What You Don't Understand

Fluor (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FLR#NYSE">FLR</a>) has outperformed the market over the past 5 years by 24.11% on an annualized basis producing an average annual return of 44.38%. Currently, Fluor has a market capitalization of $6.25 billion. 
Buying $1000 In FLR: If an investor had bought $1000 of FLR stock 5 years ago, it would be worth $6,607.46 today based on a price of $37.20 for FLR at the time of writing.
<h3>Fluor's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1742339754_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Trading Ideas

Here's How Much $1000 Invested In Fluor 5 Years Ago Would Be Worth Today

Apple (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) has outperformed the market over the past 10 years by 10.59% on an annualized basis producing an average annual return of 20.98%. Currently, Apple has a market capitalization of $3.19 trillion. 
Buying $100 In AAPL: If an investor had bought $100 of AAPL stock 10 years ago, it would be worth $668.78 today based on a price of $212.60 for AAPL at the time of writing.
<h3>Apple's Performance Over Last 10 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1742337922_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

AAPL

Here's How Much You Would Have Made Owning Apple Stock In The Last 10 Years

SMCI

Supermicro Unveils New Systems And Rack Solutions Powered By Nvidia's Blackwell Ultra Platform

Shopify expects that its Class A Subordinate Voting Shares will cease trading on the NYSE at market close on Friday, March 28, 2025 and that its Class A Subordinate Voting Shares will commence trading on the Nasdaq on Monday, March 31, 2025.

SHOP

Shopify To Voluntarily Transfer Its US Stock Exchange Listing To Nasdaq From NYSE

Guidance

ZTO Expects 2025 Parcel Volume Of 40.8B - 42.2B, Representing 20% - 24% Increase YoY

Earnings

ZTO Express (Cayman) Q4 Adj EPADS $0.44 Misses $0.46 Estimate, Sales $1.77B Beat $1.66B Estimate

NVDA REVERSES EARLY DECLINE ON SIGNAL
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="550" src="https://contributor-assets.benzinga.com/wp-content/uploads/2025/03/18195211/Screen-Shot-2025-03-18-at-3.51.13-PM-1024x550.png" alt="" class="wp-image-8230" srcset="https://contributor-assets.benzinga.com/wp-content/uploads/2025/03/18195211/Screen-Shot-2025-03-18-at-3.51.13-PM-1024x550.png 1024w,https://contributor-assets.benzinga.com/wp-content/uploads/2025/03/18195211/Screen-Shot-2025-03-18-at-3.51.13-PM-300x161.png 300w,https://contributor-assets.benzinga.com/wp-content/uploads/2025/03/18195211/Screen-Shot-2025-03-18-at-3.51.13-PM-768x412.png 768w,https://contributor-assets.benzinga.com/wp-content/uploads/2025/03/18195211/Screen-Shot-2025-03-18-at-3.51.13-PM.png 1200w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
Nvidia , Inc. (NVDA) today experienced a Power Inflow, a significant event for those who follow where smart money goes and value order flow analytics in their trading decisions.&nbsp;
Today, at 10:11 AM on March 18th, a significant trading signal occurred for Nvidia, Inc. (NVDA) as it demonstrated a Power Inflow at a price of $115.07. This indicator is crucial for traders who want to know directionally where institutions and so-called "smart money" moves in the market. They see the value of utilizing order flow analytics to guide their trading decisions. The Power Inflow points to a possible uptrend in Nvdia&#8217;s stock, marking a potential entry point for traders looking to capitalize on the expected upward movement. Traders with this signal closely watch for sustained momentum in Nvdia&#8217;s stock price, interpreting this event as a bullish sign.
Signal description
Order flow analytics, aka transaction or market flow analysis, separate and study both the retail and institutional volume rate of orders (flow). It involves analyzing the flow of buy and sell orders, along with size, timing, and other associated characteristics and patterns, to gain insights and make more informed trading decisions. This particular indicator is interpreted as a bullish signal by active traders.&nbsp;
The Power Inflow occurs within the first two hours of the market open and generally signals the trend that helps gauge the stock&#8217;s overall direction, powered by institutional activity in the stock, for the remainder of the day.&nbsp;
By incorporating order flow analytics into their trading strategies, market participants can better interpret market conditions, identify trading opportunities, and potentially improve their trading performance. But let's not forget that while watching smart money flow can provide valuable insights, it is crucial to incorporate effective risk management strategies to protect capital and mitigate potential losses. Employing a consistent and effective risk management plan helps traders navigate the uncertainties of the market in a more controlled and calculated manner, increasing the likelihood of long-term success
If you want to stay updated on the latest options trades for NVDA, <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a> gives you real-time options trades alerts.&nbsp;
<a href="https://benzinga.com/apis?_gl=1&#x2A;1hlgn5i&#x2A;_ga&#x2A;MTY1NjE2NTYxMi4xNzE0NzQ4MTAy&#x2A;_ga_V7ZK73W7N0&#x2A;MTcxNDc0ODEwMi4xLjEuMTcxNDc0ODQyOC4wLjAuMA..">Market News and Data brought to you by Benzinga APIs</a> and include firms, like&nbsp; &nbsp; <a href="https://www.tradepulse.net">https://www.tradepulse.net</a>&nbsp; which are responsible for parts of the data within this article. 
&#xA9; 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.
After Market Close UPDATE:
The price at the time of the Power Inflow was $115.07. The returns on the High price ($119.03) and Close price ($115.43) after the Power Inflow were respectively 3.4% and 0.3%. That is why it is important to have a trading plan that includes Profit Targets and Stop Losses that reflect your risk appetite.
Past Performance is Not Indicative of Future Results

Equities

Technicals

Signals

Markets

Nvidia Shares up Over 3% After Key Signal, Reversing Early Decline

LexinFintech Expects 2025 Total Loan Origination To Have Flat To Single-digit YoY Growth Depending On Macroeconomic Conditions, Alongside Significant Increase In Net Income

LexinFintech Q4 EPADS $0.28, Total Operating Revenue $501.259M

<a href="https://europeancapitalinsights.substack.com/p/german-parliament-backs-changes-to?r=3nmatg">Germany's parliament backed </a>on Tuesday a plan to increase government borrowing limits as the largest economy in Europe looks to bolster its defense and infrastructure spending.
The Bundestag approved <a href="https://x.com/eurocapinsights">several amendments</a> to the country&#8217;s constitution, allowing future federal and state governments to take on more debt. This will enable higher defense spend and €500 billion for infrastructure to bolster the European Union's (EU) military capabilities.
German Chancellor-in-waiting Friedrich Merz proposed defense spending as the EU grows increasingly concerned about the US commitment to Europe's security. President Donald Trump <a href="https://x.com/eurocapinsights/status/1902097767855796426">has criticized European</a> nations for not meeting their NATO commitment of <a href="https://www.nato.int/cps/en/natohq/topics_49198.htm" target="_blank" rel="noreferrer noopener">2% of GDP</a> per year by 2024, threatening to reassess the US commitment to the military alliance.
&#8220;We have for at least a decade felt a false sense of security,&#8221; Merz <a href="https://www.reuters.com/business/aerospace-defense/merz-sees-new-era-european-defence-with-german-spending-surge-2025-03-18/" target="_blank" rel="noreferrer noopener">told</a> the Bundestag lower house of parliament on Tuesday. "The post-war peace dividend had been used up long ago and a total rebuilding of Germany&#8217;s defense capabilities was needed," he added.
<figure class="wp-block-image"><a href="https://substackcdn.com/image/fetch/f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fc4695a40-182f-47ee-a596-893066a6c178_622x387.png" target="_blank" rel="noreferrer noopener"><img decoding="async" src="https://substackcdn.com/image/fetch/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fc4695a40-182f-47ee-a596-893066a6c178_622x387.png" alt="" /></a><figcaption class="wp-element-caption">Source:<a target="_blank" rel="noreferrer noopener" href="https://x.com/MichaelAArouet/status/1901544764081680698"> X</a></figcaption></figure>
In an interview with public broadcaster ARD on Sunday, Merz <a target="_blank" rel="noreferrer noopener" href="https://thedefensepost.com/2025/03/18/germany-defense-spending/">said </a>the "situation has worsened in recent weeks." He cited Trump's overtures to Russia to end the Ukraine war and his wavering commitment to NATO.
"That is why we have to act fast," Merz said. He has urged an amendment to the constitution to exempt defense spending beyond <a target="_blank" rel="noreferrer noopener" href="https://europeancapitalinsights.substack.com/p/europes-ambitious-defense-plans-face">1% of GDP.</a>
<h2 class="wp-block-heading">German Decisions Push European Markets Higher</h2>
The pan-European Stoxx 600 closed 0.61% higher on Tuesday, with most sectors and all major bourses in positive territory. Frankfurt's DAX German corporates Rheinmetall, Bayer, ThyssenKrupp, and Continental traded higher on the news.
DAX is up 16.76% year-to-date, outperforming its American counterpart, the S&amp;P 500, by over 20%.
<a target="_blank" rel="noreferrer noopener" href="https://www.dw.com/en/germanys-bundestag-votes-in-favor-of-reforming-debt-brake/live-71956815">Some 513 parliamentary </a>members voted in favor of the constitutional changes, while 207 voted against them. Over two-thirds of parliament members needed to vote to change Germany&#8217;s basic law to soften the debt brake.
The decision to increase public investment and relax constitutionally enshrined borrowing rules to allow higher defense spending "sends a very clear message to Europe that Germany is determined to invest massively in defense,&#8221; EU Commission President <a target="_blank" rel="noreferrer noopener" href="https://www.dw.com/en/ursula-von-der-leyen/t-70279537">Ursula von der Leyen</a> said.
The center-right bloc of the Christian Democratic Union (CDU) and Christian Social Union (CSU), along with the center-left Social Democrats (SPD) and the Greens, supported the package.
The Bundesrat, a body representing the country's states, will meet on Friday to vote on the law. Only then will it become enshrined in Germany's constitution.
<h2 class="wp-block-heading">German Economy Constrained by ‘Debt Brake'</h2>
German government spending has <a target="_blank" rel="noreferrer noopener" href="https://europeancapitalinsights.substack.com/p/europes-ambitious-defense-plans-face">historically been constrained</a> by its "debt brake." The limits have restricted new annual borrowing to 0.35% of total GDP. If Germany amends its constitution, it will allow the government to borrow <a target="_blank" rel="noreferrer noopener" href="https://www.euronews.com/business/2025/03/05/germany-to-ease-government-debt-limits-to-boost-economy-and-defence-spending">over </a>€1<a target="_blank" rel="noreferrer noopener" href="https://www.euronews.com/business/2025/03/05/germany-to-ease-government-debt-limits-to-boost-economy-and-defence-spending"> trillion </a>over the next decade.
"The next federal government will have little choice but to make massive public investments in defense capabilities," Deutsche Bank Research Institute <a target="_blank" rel="noreferrer noopener" href="https://www.dbresearch.com/PROD/RI-PROD/HIDDEn_GLOBAL_SEARCH.alias">wrote</a> on March 13. "This effort cannot be financed within the confines of the debt brake without impacting other core government tasks and thus risking public support."
Merz's CDU and its sister party won the election with 28.6% of the national vote on February 23. He has pledged to form a coalition government in April.
<a href="https://x.com/eurocapinsights/status/1902099051933278522">The economic starting </a>point for the next federal government is extremely challenging, Deutsche Bank Research Institute said. "If the status quo were to persist, German economic growth would likely remain well below 1% per year until the end of the decade."
<figure class="wp-block-image"><a href="https://substackcdn.com/image/fetch/f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Facd1ccf9-10c1-47aa-898b-dcff74a88435_536x565.png" target="_blank" rel="noreferrer noopener"><img decoding="async" src="https://substackcdn.com/image/fetch/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Facd1ccf9-10c1-47aa-898b-dcff74a88435_536x565.png" alt="" /></a><figcaption class="wp-element-caption">Source: <a target="_blank" rel="noreferrer noopener" href="https://www.dbresearch.com/PROD/RI-PROD/HIDDEn_GLOBAL_SEARCH.alias">Deutsche Bank Researc</a>h</figcaption></figure>
On Sunday, Germany&#8217;s parliamentary budget committee approved plans to increase state borrowing to bolster defense and revive growth massively.
The committee convened for an extraordinary session and backed the plans &#8212; agreed on Friday between the conservative CDU/CSU, the Social Democrats, and the Greens &#8212; sending them to parliament for adoption.
<h2 class="wp-block-heading">German Economic Sentiment Surges on Fiscal Policy</h2>
Ahead of parliament's vote, German economic sentiment expectation surged to its highest level since January 2023.
The ZEW Indicator of Economic Sentiment for March rose to 51.6 points or 25.6 points above the previous month's reading. The last time the indicator increased this substantially was in January 2023.
<figure class="wp-block-image"><a href="https://substackcdn.com/image/fetch/f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4183db1a-8a50-4567-afc8-679f55547faa_670x385.png" target="_blank" rel="noreferrer noopener"><img decoding="async" src="https://substackcdn.com/image/fetch/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4183db1a-8a50-4567-afc8-679f55547faa_670x385.png" alt="" /></a></figure>
Source: ZEW
"The brighter mood is likely due to positive signals regarding the future German fiscal policy," including the multi-billion-euro financial package for the federal budget, ZEW President Achim Wambach said on Tuesday. "Prospects for metal and steel manufacturers as well as the mechanical engineering sector have improved"
On March 12, the S&amp;P Global Business Outlook survey showed a slight improvement in the mood among Germany&#8217;s businesses during the first quarter of the year. "Optimism has returned to the country&#8217;s manufacturers," S&amp;P Global said.
"Still, growth forecasts were subdued, amid a backdrop of geopolitical tensions," S&amp;P Global said. Firms predicted sustained strong cost pressures and, as such, cited plans to reduce workforces amid concerns over competitiveness, it said.
<figure class="wp-block-image"><a href="https://substackcdn.com/image/fetch/f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd4481913-e74b-47db-b5c3-d75926f099af_363x225.png" target="_blank" rel="noreferrer noopener"><img decoding="async" src="https://substackcdn.com/image/fetch/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd4481913-e74b-47db-b5c3-d75926f099af_363x225.png" alt="" /></a><figcaption class="wp-element-caption">Source: <a target="_blank" rel="noreferrer noopener" href="https://www.pmi.spglobal.com/Public/Home/PressRelease/bb1c5aa165bc4067b680586cc39225f1">S&amp;P Global</a></figcaption></figure>
<h2 class="wp-block-heading">Germany Faces Strong Headwinds Despite Fiscal Change</h2>
Germany still faces considerable headwinds. These include, among other things, an aging population, high energy costs, weak productivity, and China&#8217;s emergence as an industrial rival.
Gross domestic product contracted 0.2% in 2024, according to data from the Federal Statistical Office (Destatis). Investments fell by 2.7% in the 4th quarter, compared with the same quarter a year earlier, Destatis said.
Analysts have questioned Germany's commitment to fiscal reform and defense spending. They point to the €100 billion of the €500 billion allocated to climate change rather than increasing power supplies.
"Instead of reopening its nuclear power plants, Germany will vote today to spend another €100 billion for green fairytale projects," Michael A. Arouet, an economy, politics and investing analyst, wrote on <a target="_blank" rel="noreferrer noopener" href="https://x.com/MichaelAArouet/status/1893913497299288311">X</a>. "One could not make it up."
After the parliament's decision, Arouet wrote: "RIP German industry."
Disclaimer:
Any opinions expressed in this article are not to be considered investment advice and are solely those of the authors. European Capital Insights is not responsible for any financial decisions made based on the contents of this article. Readers may use this article for information and educational purposes only.&nbsp;
This article is from an unpaid external contributor. It does not represent Benzinga&#8217;s reporting and has not been edited for content or accuracy.

Eurozone

Opinion

German Parliament Backs Changes to Constitutional 'Debt Brake'

4 analysts have shared their evaluations of Sabra Health Care REIT (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SBRA#NASDAQ">SBRA</a>) during the recent three months, expressing a mix of bullish and bearish perspectives.
The table below provides a concise overview of recent ratings by analysts, offering insights into the changing sentiments over the past 30 days and drawing comparisons with the preceding months for a holistic perspective.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have set 12-month price targets for Sabra Health Care REIT, revealing an average target of $18.75, a high estimate of $20.00, and a low estimate of $17.00. Marking an increase of 2.29%, the current average surpasses the previous average price target of $18.33. 
<img src="https://www.benzinga.com/files/images/story/2025/1742335293_0.png" alt="price target chart" />
<h2>Decoding Analyst Ratings: A Detailed Look</h2>
In examining recent analyst actions, we gain insights into how financial experts perceive Sabra Health Care REIT. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Michael Lewis</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Hold</td>
<td>$18.00</td>
<td>$17.00</td>
</tr>
<tr>
<td>Matthew Carletti</td>
<td>Citizens Capital Markets</td>
<td>Maintains</td>
<td>Market Outperform</td>
<td>$20.00</td>
<td>$20.00</td>
</tr>
<tr>
<td>Michael Lewis</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$17.00</td>
<td>$18.00</td>
</tr>
<tr>
<td>Aaron Hecht</td>
<td>JMP Securities</td>
<td>Announces</td>
<td>Market Outperform</td>
<td>$20.00</td>
<td>-</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Sabra Health Care REIT. This offers insight into analysts' perspectives on the current state of the company.</li>
<li>Rating: Gaining insights, analysts provide qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Sabra Health Care REIT compared to the broader market.</li>
<li>Price Targets: Gaining insights, analysts provide estimates for the future value of Sabra Health Care REIT's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Sabra Health Care REIT's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/SBRA/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Sabra Health Care REIT analyst ratings.</a>
<h2>About Sabra Health Care REIT</h2>
Sabra Health Care REIT Inc is a healthcare facility real estate investment trust. The company operates one segment that owns and invests in healthcare real estate. All of the company's revenue is generated in the United States. Sabra's operations consist of nursing facilities, assisted living centers, and mental health facilities.
<h3>Sabra Health Care REIT: Financial Performance Dissected</h3>
Market Capitalization Analysis: Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.
Revenue Growth: Over the 3 months period, Sabra Health Care REIT showcased positive performance, achieving a revenue growth rate of 11.6% as of 31 December, 2024. This reflects a substantial increase in the company's top-line earnings. When compared to others in the Real Estate sector, the company excelled with a growth rate higher than the average among peers.
Net Margin: Sabra Health Care REIT's net margin is impressive, surpassing industry averages. With a net margin of 25.61%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): Sabra Health Care REIT's ROE excels beyond industry benchmarks, reaching 1.7%. This signifies robust financial management and efficient use of shareholder equity capital.
Return on Assets (ROA): The company's ROA is a standout performer, exceeding industry averages. With an impressive ROA of 0.88%, the company showcases effective utilization of assets.
Debt Management: Sabra Health Care REIT's debt-to-equity ratio is below the industry average. With a ratio of 0.89, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.
<h2>The Basics of Analyst Ratings</h2>
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Analyst Ratings

SBRA

4 Analysts Assess Sabra Health Care REIT: What You Need To Know

In the latest quarter, 4 analysts provided ratings for Ocular Therapeutix (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/OCUL#NASDAQ">OCUL</a>), showcasing a mix of bullish and bearish perspectives.
Summarizing their recent assessments, the table below illustrates the evolving sentiments in the past 30 days and compares them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have recently evaluated Ocular Therapeutix and provided 12-month price targets. The average target is $16.5, accompanied by a high estimate of $19.00 and a low estimate of $15.00. A negative shift in sentiment is evident as analysts have decreased the average price target by 10.81%. 
<img src="https://www.benzinga.com/files/images/story/2025/1742335274_0.png" alt="price target chart" />
<h2>Interpreting Analyst Ratings: A Closer Look</h2>
The analysis of recent analyst actions sheds light on the perception of Ocular Therapeutix by financial experts. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Luca Issi</td>
<td>RBC Capital</td>
<td>Announces</td>
<td>Outperform</td>
<td>$17.00</td>
<td>-</td>
</tr>
<tr>
<td>Serge Belanger</td>
<td>Needham</td>
<td>Announces</td>
<td>Buy</td>
<td>$15.00</td>
<td>-</td>
</tr>
<tr>
<td>Jonathan Wolleben</td>
<td>Citizens Capital Markets</td>
<td>Lowers</td>
<td>Market Outperform</td>
<td>$19.00</td>
<td>$22.00</td>
</tr>
<tr>
<td>Yi Chen</td>
<td>HC Wainwright &amp; Co.</td>
<td>Maintains</td>
<td>Buy</td>
<td>$15.00</td>
<td>$15.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Ocular Therapeutix. This offers insight into analysts' perspectives on the current state of the company.</li>
<li>Rating: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Ocular Therapeutix compared to the broader market.</li>
<li>Price Targets: Analysts predict movements in price targets, offering estimates for Ocular Therapeutix's future value. Examining the current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Ocular Therapeutix's market position. Stay informed and make well-informed decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/OCUL/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Ocular Therapeutix analyst ratings.</a>
If you are interested in following small-cap stock news and performance <a href="https://www.benzinga.com/news/small-cap?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">you can start by tracking it here</a>.
<h2>All You Need to Know About Ocular Therapeutix</h2>
Ocular Therapeutix Inc is a biotechnology company that specializes in therapies for diseases and conditions of the eye. The company uses its proprietary hydrogel platform technology to deliver therapeutic agents to the eye. Its pipeline consists of eye medication that aims to overcome the limitations of current eye-drop-based therapies for ophthalmic diseases and conditions. Its pipeline product includes Dextenza, OTX-TIC, OTX-TKI, and OTX-IVT.
<h3>Ocular Therapeutix's Financial Performance</h3>
Market Capitalization Analysis: Falling below industry benchmarks, the company's market capitalization reflects a reduced size compared to peers. This positioning may be influenced by factors such as growth expectations or operational capacity.
Positive Revenue Trend: Examining Ocular Therapeutix's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 15.41% as of 31 December, 2024, showcasing a substantial increase in top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Health Care sector.
Net Margin: Ocular Therapeutix's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of -283.27%, the company may face hurdles in effective cost management.
Return on Equity (ROE): The company's ROE is below industry benchmarks, signaling potential difficulties in efficiently using equity capital. With an ROE of -14.5%, the company may need to address challenges in generating satisfactory returns for shareholders.
Return on Assets (ROA): Ocular Therapeutix's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of -10.21%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: Ocular Therapeutix's debt-to-equity ratio is below the industry average at 0.24, reflecting a lower dependency on debt financing and a more conservative financial approach.
<h2>The Basics of Analyst Ratings</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

OCUL

What 4 Analyst Ratings Have To Say About Ocular Therapeutix

During the last three months, 13 analysts shared their evaluations of Affirm Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AFRM#NASDAQ">AFRM</a>), revealing diverse outlooks from bullish to bearish.
The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">4</td>
<td align="right">5</td>
<td align="right">4</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">1</td>
<td align="right">3</td>
<td align="right">4</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have recently evaluated Affirm Holdings and provided 12-month price targets. The average target is $72.31, accompanied by a high estimate of $90.00 and a low estimate of $50.00. Surpassing the previous average price target of $62.77, the current average has increased by 15.2%.
<img src="https://www.benzinga.com/files/images/story/2025/1742335263_0.png" alt="price target chart" />
<h2>Decoding Analyst Ratings: A Detailed Look</h2>
An in-depth analysis of recent analyst actions unveils how financial experts perceive Affirm Holdings. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Will Nance</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$56.00</td>
<td>$50.00</td>
</tr>
<tr>
<td>Will Nance</td>
<td>Goldman Sachs</td>
<td>Lowers</td>
<td>Buy</td>
<td>$50.00</td>
<td>$90.00</td>
</tr>
<tr>
<td>Will Nance</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$90.00</td>
<td>$78.00</td>
</tr>
<tr>
<td>Ramsey El-Assal</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$85.00</td>
<td>$75.00</td>
</tr>
<tr>
<td>Daniel Perlin</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$81.00</td>
<td>$67.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$85.00</td>
<td>$78.00</td>
</tr>
<tr>
<td>Timothy Chiodo</td>
<td>UBS</td>
<td>Raises</td>
<td>Neutral</td>
<td>$62.00</td>
<td>$46.00</td>
</tr>
<tr>
<td>Andrew Bauch</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$85.00</td>
<td>$70.00</td>
</tr>
<tr>
<td>Giuliano Bologna</td>
<td>Compass Point</td>
<td>Raises</td>
<td>Neutral</td>
<td>$61.00</td>
<td>$20.00</td>
</tr>
<tr>
<td>James Faucette</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$55.00</td>
<td>$39.00</td>
</tr>
<tr>
<td>Andrew Bauch</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$70.00</td>
<td>$55.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Maintains</td>
<td>Market Outperform</td>
<td>$78.00</td>
<td>$78.00</td>
</tr>
<tr>
<td>John Hecht</td>
<td>Jefferies</td>
<td>Raises</td>
<td>Buy</td>
<td>$82.00</td>
<td>$70.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Affirm Holdings. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li>Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Affirm Holdings compared to the broader market.</li>
<li>Price Targets: Analysts navigate through adjustments in price targets, providing estimates for Affirm Holdings's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of Affirm Holdings's market standing. Stay informed and make data-driven decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/AFRM/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Affirm Holdings analyst ratings.</a>
<h2>Delving into Affirm Holdings's Background</h2>
Affirm Holdings Inc offers a platform for digital and mobile-first commerce. It comprises a point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The firm generates its revenue from merchant networks, and through virtual card networks among others. Geographically, it generates a majority share of its revenue from the United States.
<h3>Financial Milestones: Affirm Holdings's Journey</h3>
Market Capitalization Analysis: Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.
Revenue Growth: Affirm Holdings's revenue growth over a period of 3 months has been noteworthy. As of 31 December, 2024, the company achieved a revenue growth rate of approximately 46.57%. This indicates a substantial increase in the company's top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Financials sector.
Net Margin: Affirm Holdings's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of 9.28%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Affirm Holdings's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of 2.86%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.78%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: With a high debt-to-equity ratio of 2.69, Affirm Holdings faces challenges in effectively managing its debt levels, indicating potential financial strain.
<h2>Understanding the Relevance of Analyst Ratings</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

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Beyond The Numbers: 13 Analysts Discuss Affirm Holdings Stock

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