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You're listening to Ramsey Everyday Millionaires, where we talk investing, retirement, building wealth, and outrageous generosity.

Kevin is in Cheyenne, Wyoming. Hi, Kevin. Welcome to the Ramsey Show. Hi, Dave. Thank you for taking

my call. Sure. What's up? So I was just wondering, looking for a suggestion or recommendation,

I'm able to save after taxes and 401k contributions about

$2,800 per month.

And I was wondering what percentage of that remaining amount I should be investing in the

market or stockpiling cash.

And I have no other debts.

My home's paid off. Good for you. I'm just not sure. I'm just

not sure what to pay. Well, you're 100% debt free. You have an emergency fund of three to six

months of expenses, I assume. I do. Okay. And then you're putting, you're maxing out all your

retirement to keep the government's hands off of as much of it as you

can. If you're not, you should be. Okay. Excellent job. I'm mapping out my Roth 401k and IRA and

HSA, all the letters, you know. Wonderful. You're doing everything right, brother. Well,

at this stage, we call it Baby Step 7. There's nothing left to do but build wealth and give.

Basically, there are three things, Kevin, and you know this, but I'm going to say it out loud,

that we can do with money. We can have fun with it. That's called lifestyle spending.

We can invest it, which is what you're asking about, and we can be generous with it.

You should always do all three.

And so to the extent your monthly budget, before it nets out 2,800 does not do those things,

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