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Ramsey Everyday Millionaires

When Do We Stop Investing for Retirement?

Ramsey Everyday Millionaires

Ramsey Network

Careers, Business, Investing

4.63.6K Ratings

🗓️ 6 April 2026

⏱️ 10 minutes

🧾️ Download transcript

Summary

💵 Sign up for EveryDollar today - Create a free Budget!⁠⁠⁠⁠⁠⁠ Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!    Next Steps: 💰Need help with your investments? Connect with a SmartVestor Pro:⁠ ⁠⁠⁠⁠⁠(⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SmartVestor Investing Professionals⁠⁠⁠⁠⁠⁠) #PaidEndorsement 📝Get your free copy of Ramsey’s Complete Guide to Investing: (⁠⁠⁠⁠⁠⁠Ramsey's Complete Guide to Investing⁠⁠⁠⁠⁠⁠) 🏦Take a retirement assessment to find out how much you’ll need to retire: (⁠⁠⁠⁠⁠⁠Retire Inspired with the R:IQ Retirement Assessment⁠⁠⁠⁠⁠⁠) 📈See how much your investments could be worth over time with this handy calculator: (⁠⁠⁠⁠⁠⁠Investment Calculator⁠⁠⁠⁠⁠⁠) 🧑‍💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (⁠⁠⁠⁠⁠⁠Ramsey Investing Tools and Resources⁠⁠⁠⁠⁠⁠)    Listen to more from Ramsey Network: 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy

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.

0:13.5

Let's go to Jordan in Minneapolis.

0:16.1

Jordan, how can we help today?

0:18.0

Hey, guys.

0:18.8

I love this show.

0:19.8

I've been waiting to make this call for six years. So I'm equal parts. Oh, my gosh. This is a lot of pressure. It's a lot of pressure, man. Six years of build up here. I hope we deliver. We will try our best. All right. Hit us with it. So my wife and I've been following your program since we could walk. It feels like parents taught us it and grew up in it. Well, you know how to make a guy feel old.

0:41.3

I'll tell you that. Just made me feel ancient. Well, I'm 13, so this should be make you go. Oh, you're a little. You are 13? No, I'm not. I was going to say, what? I was like, wait, I thought you said you were married. Okay, sorry. He was. It's bad jokes.

0:58.0

I'm sorry, I started at Jordan.

0:54.3

It's my... I was going to say what? I was like, wait, I thought you said you were married.

0:55.0

Okay, sorry.

0:56.5

Jordan, go ahead.

0:57.5

Sorry, Jordan. I'm sorry, I started it, Jordan.

0:58.1

It's my fault.

0:59.4

That's all right.

1:00.1

So we've been kind of focused on one plan of attack, which is knocking out the baby steps.

1:05.7

And we just last month finished and checked the box on baby step six.

1:10.5

Whoa. So we're now liquid. Gosh, Jordan. How old are you guys? For real. How old are you guys? For real. 36, yeah. 36. 36. 35. All right, let's not roll by this too fast. That's amazing. That is impressive. At your age to be at Baby Step 6, congratulations. I i appreciate it so great so what's a little strange

1:31.1

now though is i've been laser focused with one plan of attack which is aside from contributing

1:36.5

to 401ks and 529s and ross all my money goes into debt and now of a sudden with my next paycheck

1:44.0

i don't know where to put my money.

1:46.5

And I think I can kind of walk through that. Maybe you have some insight. But the reason I was calling

...

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