Frequently Asked Questions

How can I get an answer to my unique situation?

There are a few ways to get an answer to your question. And the good news is, it doesn’t matter where you are right now. Anyone from any walk of life can improve their situation by following our principles.

• Ask Ramsey
  Receive a fast response with the most relevant calls from The Ramsey Show that match your question or situation.
• Ramsey Advice
  Share your question in the Ramsey Advice community, and you’ll get an answer from a Ramsey team member or a Ramsey coach.

How can I get out of debt?

You’ve got to draw a line in the sand and stop taking on any kind of new debt. No loans, credit cards or payment plans. The fastest way to knock out your debt is by using the debt snowball method. Millions of people have paid off their debt for good. You can too! 

• How to Pay Off Debt
  Learn how to eliminate money stress, pay off debt for good, and make progress toward your money goals.
• Debt Snowball Calculator
  Find out how quickly you can be debt-free using the debt snowball method. 
• Financial Peace University
  Once a week for nine weeks, you’ll watch and discuss an easy-to-understand video lesson with a group of people virtually or in person. Stuffy financial class? Not here. FPU is full of energy and actionable small steps. Learn everything you need to to know about winning.

How can I stop living paycheck to paycheck?

Create a budget and make a plan for your money. Budgeting means telling your money where to go instead of wondering where it went every month. Learn how to save money, pay off debt for good, and build wealth with our step-by-step plan and free tools.

• How to Stop Living Paycheck to Paycheck

  Find out how to break the paycheck-to-paycheck cycle for good and get more breathing room every payday.
• Budget Calculator
  Get a quick intro to budgeting and see how easy it is to manage your income and expenses.
• EveryDollar Budget app

  Take the guesswork out of managing your money. With easy income and expense tracking, the EveryDollar budgeting app is hands down the best tool to see how you’re spending your money.

What are the Baby Steps, and what step am I on?

Dave Ramsey’s 7 Baby Steps is our tried-and-true plan that focuses on one specific financial goal at a time. We teach you how to break free from the toxic money culture and live the life you were meant to live.

• How to Win With Money in 7 Baby Steps
  Learn what goals are included in each step and why it should be done in that order.
• Get Started Assessment
  Answer a few questions about your money goals. And based on your answers, we’ll set you up with a plan that meets you where you are right now.
• Financial Peace University
  FPU is a nine-week class with energetic, easy-to-understand lessons and real-life testimonials, making your journey manageable and motivating.

What do I do if I’m overwhelmed and I don’t know where to start?

If you’re overwhelmed or need immediate help, contact our Ramsey Concierge team and one of our team members will reach out to you. We're here for you. We’re here for you.