Get Out of Debt
Live Like No One Else
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.
Why the 7 Baby Steps Work
It’s time to let go of what doesn’t work—living with debt payments—and stop being normal. Normal will keep you broke. With the 7 Baby Steps, you take power over your income. No more guessing. No more worry. You’re in control!
Small Steps That Lead to Big Wins
You don’t have to walk the Baby Steps alone. From expert advice to educational courses, we’ll show you how to live like no one else—so later you can live and give like no one else.
Trusted Pros to Guide You
Our RamseyTrusted® pros give direction and reliable service as they walk alongside you through the Baby Steps. Whether it’s insurance, financial advice, home buying or taxes, our experts will help you during your most important money decisions.
Real People. Real Stories. Real Financial Peace.
"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
Get Expert Advice Delivered Straight to Your Inbox
Stay in the know with weekly money tips, exclusive content and the latest from Ramsey Solutions—right in your inbox.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.