I have a question if you all don't mind. (I do have Dave Ramsey's book on hold at the library, but since seeing him on Maxed Out, and reading through his website, I have begun to crunch numbers.) On BabyStep 4 regarding retirement, does he mean to invest 15% of your household income each year, or one time only? In other words, do we aim to make sure we get 15% of our income in retirement, and once we do that, then move onto step 5? Or each year are we supposed to be making sure we get 15% invested, and on top of that find extra money to fund college, pay off the house, and build wealth? I'm confused. Dh already contributes each month to his retirement (he's a teacher, so some is automatically done through the state, plus he has a 403b), but it's a whole bunch yet. (And actually, after the last month, we've lost quite a bit.) If you look at the amount we currently have invested, it would be right now 15% of our current household income. But, is Dave Ramsey's goal for you to make sure that you invest 15% every year into retirement? (I do hope my question makes sense.