Live like no one else so that later on you can live and give like no one else

Dave Ramsey started Ramsey Solutions in 1992 to share what he’d learned after fighting back from bankruptcy. Dave is now known as “American’s voice on life and money.” He’s a national radio personality with 15 million weekly listeners and 7 best-selling books. Millions of people have ditched debt forever and turned their lives around by following his proven plan, the Baby Steps.

baby Step 1

Save US$1,000 as a Starter Emergency Fund.

baby Step 2

Pay off all debt except your house, using the debt snowball method.

baby Step 3

Complete your Emergency Fund with 3 to 6 months of your household living expenses.

baby Step 4

Invest 15% of your salary into a retirement fund.

baby Step 5

Invest in your child(ren)’s Education Fund.

baby Step 6

Pay off your house early.

baby Step 7

Live and give like no one else.