To Invest Or Not Invest

I have been trying to follow Dave Ramsey’s Baby Steps to get out of debt and save a little bit of money. Now that I’ve made some progress it’s time to make another decision.

Mr. Ramsey emphasizes how important it is to save for your retirement no matter what age you are at. I am no longer working a public job so I haven’t been paying in anything towards my future.

He suggests investing at least 15% of your income into pretax retirement funds like Roth IRAs. He also suggest investing in your company’s 401k plan where your employer could match your investment. I did do this when I was working.

He also goes into more explanations about how and where to invest your money. I will need to do a little bit more research on this before I make any permanent decisions on where or what I will do.

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