What Does Dave Ramsey Say About Variable Annuities? 
Dave Ramsey says to only consider variable annuties if you are totally debt free and have used all your tax-deferred options . Make sure you understand the fees , riders , options and surrender period associated with your annuity . Use these four mutual funds : 1 -RRB- growth , 2 -RRB- international , 3 -RRB- growth and income , and 4 -RRB- aggressive growth . Finally , Dave Ramsey says to never use annuities inside retirement options . 