A 22-year-old Gen Z named Nick called into Dave Ramsey’s show asking the financial guru’s advice. The caller explained he was living at home with an annual income of $15,000. He also shared that he had managed to save $3,000 and had $43,000 invested — the majority in individual stocks. He asked Ramsey what kind of retirement account he should open. Instead of going over retirement account options, Ramsey advised Nick to put a pause on retirement contributions — at least temporarily. Instead, Ramsey said t ...