<prompt> Human: Sorry for the wonky title, hard to summarize.A friend and I could not decide about step 4 and retirement. I said that no matter what step you are on, you should be contributing to you company 401k if there is a match bc free money. She says no, Dave implies you should wait until step 4 to contribute AT ALL.Edit: Thanks for all the responses. It seems that DR does suggest you stop all retirement contribution. I agree with others though that money should not be left on the table unless you are in dire straights. Who is right here?  <response>: According to Ramsey you stop everything. According to personalfinance and math, you take the free money unless you absolutely cannot spare the cash flow. Remember that Dave Ramsey is optimizing the psychology of debt repayment not the mathematics. 