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Andrew's with us in Chicago. Hi, Andrew. How are you? Good. How are you, Dave and Ken?

Better than we deserve. What's up? So I just got a quick question, basically regarding the investments. So my wife and I, we've been married for going on three years now. We've got a five-month-old daughter. We've worked through the first three baby steps, paid off everything except for the house, got our three to six months saved. And we both invest into our 401K through like our workplaces. and we're just looking like, where do we go next to get to that like 15% that you guys recommend. Okay. So you maxed your 401Ks? Yes, sir. I am. I match at 3% at my work, and my wife is same with her employer through her school. Now, max means you put all you can put in, not up to 3%. Sorry. I thought you

didn't match. No, I'm sorry. Max. So have you got a 401k that has a Roth option? It does not. No,

that's what I was going to ask about it. Okay. So here's the thing we found out. Match is best.

So get all the match you can.

You've done that with your 3%.

Does your wife have a match?

I am 90% sure it's the same at match at 3%.

Perfect.

That's easy.

That means we still need to put 12% of our household income away somewhere.

What is your household income?

Roughly probably right around that 90,000 a year, roughly.

Okay. All right, cool. So 15% is, you know, 14,000 and some change, right? And so, and we're

already putting 3% away. So let's call that 3,000. So let's just say we need to put another 10 or 11,000 away. You both can do a Roth IRA and just go to Ramsey Solutions.com and click on SmartVestor Pro. Okay. And click on SmartVestor. You'll be introduced to one of our SmartVestor pros or two or three of them, and you can choose which one you want to work with.

They've got the heart of a teacher. They'll sit down, teach you about this and then show you how to do it and help you actually create the Roth IRA in some good growth stock mutual funds.

And it sounds like you guys need to be putting away somewhere around 10,000.

So you could put, you know, five or six thousand each into a Roth IRA and have a really good plan going with the 3% over at work.

And the 3% over at work also needs to be in good growth stock mutual funds.

If you take your options that you're allowed to invest in down to the SmartVester

Pro when you sit down with them, they'll help you pick out your 401K options while they're getting

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