STAY AWAY, says Dave

Question: Tracy just started her Baby Steps. Her husband is exploring money-making opportunities and came across cash flow investing. What does Dave think of this?

Dave Ramsey's advice: That can mean a lot of things. This sounds like the brand of someone's get-rich-quick plan. My opinion is to stay completely away from that. This is probably one of those stock picking plans where someone says "Follow my plan and you'll get rich". Single stocks are a huge risk, and day trading is even bigger. A study found that 92% of people who day trade lose money. Stay away from stuff like this.

• Hear Dave say ... STAY AWAY!