Dave Ramsey
Personal finance radio host/author; debt payoff, budgeting, and long-term wealth discipline.
Break the Paycheck-to-Paycheck Cycle, Start Small Steps
If you’re tired of working just to make more payments, and tired of wondering why it's so hard to get ahead... start HERE and take things one step at a time.
Pay Off Debt when You Can; Enjoy Financial Peace
If you’re in a place financially where you can pay off the debt, just do it. If you hate having 0 payments, more margin, and financial peace … you can always go back.
Prioritize the 4 Budget Walls in Tight Times
If you find yourself in a tight season financially, focus on covering what we call The 4 Walls of your budget first, before paying for anything else. Those 4 Walls are: 1. Food 2. Utilities 3. Shelter 4. Transportation
Simplify Debt Payoff with the Snowball Method
A lot of people stay stuck because they feel overwhelmed. The debt snowball breaks debt payoff into simple steps to help you keep moving forward.
Teach Kids Money Value Through Earned Chore Commissions
Parents: You can start teaching your kids about money early on by letting them earn a commission for completing their chores. This is a lot better than giving them an allowance. Earning a commission will help to teach an important...
Take Ownership: Your Life Improves When You Act
Nobody is going to fix your life. Not the government. Not your boss. Not the economy. You can sit around and complain about what’s unfair… or you can take ownership and change it. Don’t like your paycheck? Get new skills. Don’t...
Stop Giving the Gov Interest-Free Loans: Zero Your Refund
When you get a tax refund, that means you’ve been loaning the government money interest-free throughout the year, and they’re just returning money to you that was already yours. That’s why it’s called a refund. Try to keep your refund...
Honesty Required: Share Full Numbers for Real Help
Some calls are tough. You can’t help someone if they’re not willing to be open and honest about the numbers and their situation. If you want real answers and real help, you’ve got to bring the whole story to the...
Shared Finances Are Essential for a Successful Marriage
If you’re talking about marriage but you can’t talk about money, you’re not ready for marriage. Money fights are the number one cause of divorce in America. You have to get on the same page. Because if you’re building a life...
Start Investing Now, Reach $1M By Retirement
If you’re 25 and don’t end up a millionaire, you might need a wake-up call, because I just showed you how. Invest $100 a month from age 25 to 65 at the average S&P 500 return over the last 40 years,...
