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foreign Debra is with us in Los Angeles hi Deborah welcome to the Ramsey Show hey thanks so much Iamp;#39;ve been listening to you guys for years and appreciate all you do well thank you I have youamp;#39;re very welcome um I have a question for you Iamp;#39;ve been listening for a long time and yesterday I went into um to adjust my own Investments because I am weamp;#39;ve been focused on other things I wanted to get everything set up in the four different types of mutual funds you mentioned and the guy who is not a not a Ramsey uh Certified Financial Pro but he um he mentioned a term that Iamp;#39;d never heard before when I brought up mutual funds he asked me if Iamp;#39;d considered ETFs and I have no idea or I hadnamp;#39;t heard what that was he explained it to me and it sounds very similar to mutual friend so I was just wondering if you could clarify what the difference is and why a mutual fund is better than an ETF I donamp;#39;t know that a mutual fund is better than A