How esp used to reach function Arguments

Question

As i know in win32, when a function called the Process memory layout be like this:

High Memory Addresses
+-----------------+  <- Higher addresses
|   Arguments     |  <- Arguments pushed by the caller
+-----------------+
|   Return Address|  <- Return address pushed by the CALL instruction
+-----------------+
|     Old EBP     |  <- Saved EBP of the calling function
+-----------------+  <- Current EBP points here
|   Local Vars    |  <- Local variables of the function
|     and/or      |
|   Temporaries   |
+-----------------+ ----> ESP point Here .>>
Low Memory Addresses 

so esp will point to the last block on stack as mentioned above.

i saw in many articles that they use esp + 0 , esp + 4 and so to reach function arguments and ret address . how can this done ? i mean in windows32 i know each block on stack use 4 bytes , so if the stack want to use functions arguments must use 4byte(ebp) + 4byte(return address) then can reach arguments .

so

exp + 0 not ret address
esp + 0 is ebp
esp + 4 is ret

i know im wrong but can anyone correct me.