Baby Step 4
Topic
The fourth step in Dave Ramsey’s personal-finance plan: invest 15% of household income toward retirement after paying off consumer debt and establishing an emergency fund.
5 episodes featuring Baby Step 4
The Ramsey Show
Ramsey hosts argue steady plans beat financial quick fixes
The episode tests one consistent approach—transparency, written budgets, and deliberate progress—against debt, job loss, family pressure, and major financial decisions.
Sep 15, 2026 · 2h 8m
The Ramsey Show
Ramsey hosts put numbers behind life’s biggest money decisions
The episode tests how disciplined financial planning holds up across career changes, housing choices, family obligations, discretionary spending, and business failure.
Sep 4, 2026 · 2h 7m
The Ramsey Show
Ramsey hosts tie financial peace to disciplined choices
The callers’ varied problems show how debt, housing, investing, marriage, and career decisions all demand a deliberate plan rather than a one-size-fits-all fix.
Sep 2, 2026 · 2h 9m
The Ramsey Show
Ramsey argues disciplined basics beat clever financial shortcuts
The episode tests practical money principles against emotionally charged decisions involving debt, housing, work, family obligations, and retirement.
Aug 5, 2026 · 2h 7m
The Ramsey Show
Ramsey hosts tie financial progress to shared discipline
The episode tests how disciplined choices hold up across marriage, debt, investing, housing, work, and long-term independence.
Aug 4, 2026 · 2h 8m