Dave Ramsey
Personal finance radio host/author; debt payoff, budgeting, and long-term wealth discipline.
Wealth Grows From Habits, Not Salary Size
Building wealth isn't about income, it's about behavior. When you spend less than you earn, avoid debt, and invest consistently, you can build wealth at any income level. It's not flashy, but it works.
Plan Your Money, Change
It's what you DO with the money you have that makes all the difference. Having a plan is the key. @everydollar is the best way to make and stick to that plan.
Use a Sinking Fund to Buy Big Items Cash
A sinking fund is a way to set money aside over time, so you can buy something with cash. For example, this could be a spot in your budget where you save $400 per month for 10 months to buy...
Wealth Comes From Decisions and Actions, Not Luck
People who overcome their circumstances and win with money are not different because they won. They're different because they made a decision to change their life and they took the actions required to make that change a reality.
Emergency Fund: Your Safety Net for Life’s What‑Ifs
An emergency fund is insurance between you and the "what ifs" in life. It's important to have one while you're walking the 7 Baby Steps.
Cancel Your Credit Card in Five Simple Steps
How to cancel a credit card: 1. Cut it up 2. Pay off the balance. 3. Call the credit card company and cancel the card/account. 4. Get a copy of the cancellation confirmation in writing. 5. NEVER look back.
Saving Happens Only When It Becomes an Emotional Priority
Most people will not save money when they get that raise. Most people will not save money when their car is paid off. Most people will not save money when their kids are grown. People choose to save money only when it becomes...
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...