What is the main focus of the fourth Baby Step in Dave Ramsey's plan?

The primary focus of the fourth Baby Step in Dave Ramsey's plan is investing for retirement. This step comes after successfully paying off all consumer debt, which is the third Baby Step. Once individuals have cleared their debt, including credit cards and personal loans, they are encouraged to begin investing for their future, such as contributing to retirement accounts like a 401(k) or an Individual Retirement Account (IRA). This investment strategy helps individuals build wealth over time and prepare for a comfortable retirement.

The other options represent different phases or steps in the financial journey outlined by Ramsey. For instance, creating an emergency fund is crucial in the second Baby Step, and buying a new home usually occurs later in the process. Thus, the emphasis in the fourth Baby Step is clearly directed towards retirement investment, marking a significant shift from debt elimination to wealth accumulation.