[yorkiemom]

You can take a little time to evaluate things before moving on to Baby Step 4, which is investing 15 percent of your household income into Roth IRAs and other pre-tax retirement plans.

But the government won't let us put that much in! What is Baby Step 5 (please excuse my ignorance!)? Perhaps that one will tell me what to do with the rest of the 15%.

[Altariel]

Baby step 5:

College funding for children

By this point, you should have already started Baby Step 4—investing 15% of your income—before saving for college. Whether you are saving for you or your child to go to college, you need to start now.

https://www.daveramsey.com/new/baby-steps/