#114: Dave Ramsey's 4th Baby Step is to invest 15% for retirement.  This brings you half way through a complete Total Money Makeover - and the rest is pretty easy. Baby Step 4: The Easiest Baby Step Dave Ramsey’s BS4 is to invest 15% for retirement

Baby Step 5 with Rachel Cruze: Save For Kid’s College

Pay attention - not interest. 

For most, that&#39;s all it takes to get their money under control. That&#39;s how my wife and I got out of debt completely - EVEN THE MORTGAGE! And you can too!

Join me as I share some extreme-but-proven ways for how money really works. The show isn&#39;t just about making a Money Plan (aka: a budget). Steve also explains what&#39;s really wrong with credit cards and credit scores (spoiler alert: It&#39;s not what you think). You&#39;ll also learn about rich habits, how various investing vehicles work, and how you can have no debt, no credit, and no problems!

The show is retired, but still relevant in today&#39;s radically changing financial world. Begin with Episode 201, then go back and listen to the archives in your favorite podcast app!

Money Plan SOS is the response to the call for help with your finances.