What’s the Best Way to Invest My Savings?

Ramsey Everyday Millionaires

Ramsey Network

Careers, Investing, Business

4.6 • 3.6K Ratings

🗓️ 16 February 2026

⏱️ 5 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	This episode is brought to you by SmartVester.
0:07.8	Connect with an investing pro near you at Ramsey Solutions.com slash SmartVester.
0:13.7	Ryan is up in Virginia.
0:15.9	Ryan, how can we help today?
0:17.7	Well, good afternoon, Ken and Jay.
0:19.8	How are you doing today?
0:20.6	We're doing well. What's happening with you? Well, good afternoon, Ken and Jay. How are you doing today? We're doing well.
0:21.5	What's happening with you? Well, I seem to have some decision paralysis, and I was wondering if you
0:27.8	could just give me some help. I'm a natural saver, and at the moment, I have about $180,000 in cash savings, and I'm just trying to figure out how to best deploy it for retirement,
0:45.0	eventually purchasing a home and just the future.
0:49.3	Okay, so do you have any debt?
0:50.8	No, debt-free.
0:52.9	All right, so you're familiar with the baby steps?
0:55.0	Yes.
0:56.0	What baby step are you on?
0:57.0	My understanding, I believe, four, five, and six.
1:00.0	Okay.
1:01.0	So you are actively investing, and this 180 is above and beyond your normal 15% that you're putting into retirement.
1:08.0	Yes.
1:09.0	Yeah, currently I have, if I did my, right, about 20% going into retirement through a
1:15.8	mandatory retirement with my state, and then a supplementary 403B.
1:21.9	Okay.
	...

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