The Latest News on Student Loan Forgiveness

Skip to Main Content
Debt

Dave Rant! You're Not on the Dave Ramsey Plan If . . .

What comes to mind when you hear the phrase, "gazelle intense?" Beans and rice plus rice and beans? A beat-up car with the side mirror duct-taped and hanging on for dear life? Getting so angry at debt you sell every spare thing you can find on eBay and at garage sales?

Well, you’d be right. Gazelle intensity means you are nose to the grindstone, kicking it full speed ahead, and making sacrifices until debt is in your rearview mirror and your emergency fund is fully stacked.

“Baby Steps 1, 2 and 3 are done with great focused intensity and extreme levels of sacrifice,” Dave says.

But remember, that kind of intensity is reserved for Baby Steps 1–3. Once you get to Baby Step 4, you can ease up a little.

"When you break through Baby Step 3, that puts you in a place to save and invest, and be able to do some lifestyle things," Dave says. "Get yourself in a rhythm that is much more reasonable long-term and still be able to hit your goals."

In other words: Relax!

money icon

Pay off debt fast and save more money with Financial Peace University.

Dave shares a story of a woman who claimed to be on Baby Step 6 of the "Dave Ramsey Plan," but her family was still living on beans and rice! Literally! That’s a long time to pinch pennies. Don’t go into extreme mode for a decade and think you’re doing Dave’s plan the right way. Baby Steps 4–6 are when you enjoy all the hard work you’ve put in. There’s no need to keep living like you’re on Baby Step 1 when you’re on Baby Step 6.

And don’t feel like you have to blaze through the final Baby Steps as quickly as you knocked out the first three. "Baby Steps 4, 5 and 6—those are done over the period of years," Dave says.

Are you ready to apply the Baby Steps and create lasting change in your life? Get the tools you need to take control of your finances at a Financial Peace University class near you!

Watch the video below for more on Dave’s take on being gazelle intense after Baby Step 3.


Ramsey Solutions

About the author

Ramsey Solutions

Ramsey Solutions has been committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development since 1992. Millions of people have used our financial advice through 22 books (including 12 national bestsellers) published by Ramsey Press, as well as two syndicated radio shows and 10 podcasts, which have over 17 million weekly listeners. Learn More.

Related Articles

What to Do When You Can’t Pay Your Bills
Debt

What to Do When You Can’t Pay Your Bills

Drowning in debt? Got piles of bills? That can be scary, but it doesn’t have to be. So, what do you do when you can’t pay your bills? We’ve got you covered. Follow these tips for next steps.

Ramsey Solutions Ramsey Solutions
how to pay off credit cards fast
Debt

How to Pay Off Credit Card Debt Fast

Wondering how to pay off credit card debt? There’s no silver bullet here, but there is a tried and true way to get rid of debt for good: the debt snowball method. Here’s what you need to know.

Ramsey Solutions Ramsey Solutions

Get a FREE Customized Plan for Your Money!

Get a FREE Customized Plan for Your Money! 

Answer a few questions, and we'll create a plan tailored just for you. It only takes three minutes!
Take the Assessment

Get a FREE Customized Plan for Your Money! 

Answer a few questions, and we'll create a plan tailored just for you. It only takes three minutes!
Take the Free Assessment