What is the fourth Baby Step focused on?

The fourth Baby Step in Dave Ramsey's plan emphasizes investing 15% of your household income into retirement accounts. This step is crucial as it encourages individuals and families to prioritize their long-term financial security after they have completed earlier steps, such as creating an emergency fund and paying off non-mortgage debt. By dedicating a significant portion of their income to retirement savings, individuals are taking proactive steps to ensure that they can maintain their lifestyle and financial independence during their retirement years. This focus on retirement planning is a fundamental aspect of building a secure financial future and is especially relevant given the increasing importance of personal retirement savings in today's economy.

The other choices involve different financial goals that either precede or follow the emphasis on investing for retirement, such as specific investment strategies, building vacation funds, or addressing mortgage payments, which are not the primary focus of this particular step.