Get Out of Debt
Imagine a future where money decisions bring freedom, not frustration. We call that financial peace. And we’ll help you get there one step at a time.
Imagine a future where money decisions bring freedom, not frustration. We call that financial peace. And we’ll help you get there one step at a time.
Join the Millions Who Have Transformed Their Money
Over three decades ago, Dave Ramsey turned around his money struggles and sparked a movement that’s helped millions improve their finances—and their future.
The Proven Plan That Works
You work too hard to live paycheck to paycheck. Whether you’re struggling with debt or building your savings, the 7 Baby Steps will help you take control of your money for good.
Baby Step 1
Save $1,000 for your starter emergency fund.
Baby Step 2
Pay off all debt (except the house) using the debt snowball.
Baby Step 3
Save 3–6 months of expenses in a fully funded emergency fund.
Baby Step 4
Invest 15% of your household income in retirement.
Baby Step 5
Save for your children's college fund.
Baby Step 6
Pay off your home early.
Baby Step 7
Build wealth and give.
Answer a few questions and get a free, customized money plan that fits your life and goals.
Which one best describes your current money situation?
Select the answer that most applies to you and continue the assessment.
Small Steps That Lead to Big Wins
You don’t have to walk the Baby Steps alone. From expert advice to life-changing tools, we’ll show you how to live like no one else—so later you can live and give like no one else.
Access to the Pros We Trust
Trust isn’t something that’s gained just once. It’s maintained day in and day out. That’s why each provider in our RamseyTrusted® pros network is vetted by our team of experts. You deserve a service you can count on and someone to walk alongside you during your most important financial decisions.
Real People. Real Stories. Real Financial Peace.
“Budgeting gives you a true picture of your finances—of your life—so you can pick what you can do and plan all the good stuff.”
“Now, we talk more about our money, we make decisions together, and it’s not stressful anymore.”
“I cried the first time we finished a month and actually had money left over. That had never happened before.”
"I paid off $121,000 in 28
months. I feel strong! The
burden is gone!"
“We're not stressed anymore. Our journey's in our hands now. We get to choose what we want to do."
"There’s freedom on the other side of debt. You don’t have to live like everyone else. I wanted something different for my family."
Free Tools to Help You Through Your Journey
Build Real Progress One Step at a Time
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