#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 [click here to see more at https://moneyplansos.com/baby-step-4-invest-15-for-retirement-podcast]