📈 Are you on track with the Baby Steps? Get a free personalized plan.What if I told you that—despite what FinTok claims—building wealth isn’t that complicated. In this episode, find out the only four accounts you need to make the most of your money. Next Steps:• 🎥 Watch my video How Much You Should Have in Your 401(k)—by Age.• 💰 Find out what your earning potential could be with the Investment Calculator.• 💵 Start your free budget today. Download the EveryDollar app!Connect With Our Sponsors:• 🔒 Get 20% off when you join DeleteMe.• 💸 Learn more about opening a high-yield savings account with Laurel Road.Explore More From Ramsey Network:🎙️ The Ramsey Show  🍸 Smart Money Happy Hour💸 The Ramsey Show Highlights🧠 The Dr. John Delony Show💡 The Rachel Cruze Show🪑 Front Row Seat with Ken Coleman📈 EntreLeadership Ramsey Solutions Privacy PolicyLearn more about your ad choices. Visit megaphone.fm/adchoices