Dave Ramsey's 7 Baby Steps will show you how to save for emergencies, pay off all your debt for good, and build wealth. It’s not a fairy tale. It works every single time! [1]

Baby Step #1 | Save $1,000 for your starter emergency fund

Baby Step #2 | Pay off all debt (except your house) using the debt snowball

Baby Step #3 | Save 3-4 months 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


[1] Ramsey Editorial Team. "Dave Ramsey's 7 Baby Steps." Ramsey, 5 January 2021,