Intimated By Baby Step 4

When I first began Dave Ramsey’s baby steps, I was intimidated by baby step 4. Invest 15% of your household income? How? On what? I don’t even know how to invest. Those were the things that replayed in my head whenever I thought about It. Now that we are almost halfway done with baby step 3, I actually looked into and baby step 4 is super easy. Here I was thinking that I had to buy stocks or something when all I had to do was put the money in a Roth IRA. Baby step 4 is also an ongoing process.

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