Debt is gone, your emergency fund is stacked, and now it’s time to start building your future in Baby Step 4. Picture a quiet beach morning with no deadlines, no stress, just freedom.

May 19, 2025 · Baby Step 4 of the Ramsey Plan recommends saving 15% of your gross income for retirement. This guide explains how to structure those savings using a 401 (k), Roth IRA, or …

5 days ago · You may have already heard of Dave Ramsey’s 7 Baby Steps. The radio host and personal finance personality has popularized this step-by-step guide to take control of your …

In Baby Step #4, it's time to get serious about retirement—no matter your age. Your goal is to invest 15% of your household income into pre-tax retirement. Start by investing enough in your …

When you finally have your mortgage paid off, it’s time to move to the final step of the Dave Ramsey plan – building wealth and giving back. Start by making sure you’re maxing out the …

Aug 7, 2024 · Baby Step #3: Save three to six months of living expenses in a fully funded emergency fund. Baby Step #4: Invest 15% of your household income in a retirement account.

Feb 20, 2025 · Dave Ramsey is a personal finance personality who created a plan that is simple in nature and is effective at helping individuals and families eliminate debt. In his book, The …

Jul 27, 2025 · Dave Ramsey’s best-selling book and system, The Total Money Makeover, talk about baby step 4 to invest 15% of your gross pay in good growth stock mutual funds.

Jul 11, 2025 · Follow along as we break down Ramsey’s Seven Baby Steps with examples and common pitfalls to avoid. Quick savings of $1,000 provide a cushion that stops small surprises …

Apr 25, 2025 · In this article, I will go over Dave Ramsey’s baby steps in detail. I’ll explain how they work, what you should look out for, and how they will help you achieve financial freedom.