Ramsey Everyday Millionaires Should We Change Our Investing in Baby Step 7?
6 snips
Dec 3, 2025 In this engaging discussion, Ann, a caller focused on retirement and estate planning, seeks advice for her family's future, especially regarding care for her adult child with special needs. Ken and Jade provide insights on the emotional adjustments after reaching financial milestones, emphasizing the shift from intensity to intentionality. They explore projected savings and discuss strategies like increasing her husband’s earnings and tax-efficient Roth conversions, ensuring Ann's family can secure long-term care and stability.
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Shift From Intensity To Intentionality
- Move from intensity to intentionality after reaching Baby Step 7 and give yourself time to adjust.
- Allow small pleasures like vacations while staying purposeful about long-term care planning.
Caller Shares Current Financial Snapshot
- Ann shares she and her husband have about $403,000 in retirement and a paid-off primary home worth $437,000.
- She reports being the primary earner with roughly $250,000 annual income while her husband does caregiving and part-time work.
Keep Up Retirement Contributions
- Continue contributing roughly 19% of income; Jade's conservative projection shows around $1.3–1.4M in seven years.
- Include the home value to estimate nearly $2M total net worth for retirement planning.