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Baby Step 4 Savings Explained

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 taxable brokerage depending on your income, filing status, and employer plan access. Key rule: “Match beats Roth, Roth beats Pre-Tax.” Whether you're single or married, with or without a plan, there’s a strategy to fit your situation. Consult a financial advisor to create a plan that works for you.

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Baby Step 4 Savings Explained

15% OF MY INCOME: BEFORE OR AFTER MY EMPLOYER MATCH?

Things like a savings rate for retirement seem so trivial in the grand scheme of life, right? I’m reminded of that as I watched my...

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15% OF MY INCOME: BEFORE OR AFTER MY EMPLOYER MATCH?

ORGANIZING YOUR FINANCES IN 2023

New Year’s Resolution: 2023 When it comes to fresh starts, there is no better time than the start of a new year. People are hopeful,...

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ORGANIZING YOUR FINANCES IN 2023

NUMBER ONE INDICATOR OF WEALTH

Before we answer this question, ponder to yourself what you think the number one indictor would be for building wealth and having a...

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NUMBER ONE INDICATOR OF WEALTH

MY SPOUSE DOESN'T WORK? HOW DO I SAVE FOR THEIR RETIREMENT?

This is a great question that I get quite often. Many married couples have one income earner in the family and in many circumstances,...

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MY SPOUSE DOESN'T WORK? HOW DO I SAVE FOR THEIR RETIREMENT?

Baby Step 4

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