I am knew to Dave Ramsey and I have a question about contributing to my 401k. Step 4 is fully fund pretex retirement savings. Does that mean I shouldn't contribute to my 401k until after I have completed steps 1-3? I actuall had 3 months salary saved up when I started, so I am doing the debt snowball and skipping steps 1 and 3. However, my work matches the first 6% of what I contribute to my 401k, so if DR suggests not contributing at all until debt is paid off then I will be missing out on that FREE matching $! Seems crazy to not contribute and get the 6% match. I was investing 12% of my income and have moved it down to 6%.