What Is Ramsey+?

Our research shows that Americans rank personal finances and money as their number one cause of significant stress. Is that you? We’ve been there. It sucks.

Or maybe you aren’t really stressed about money, but you also aren’t really confident either. We’ve been there too. Second-guessing our decisions. Wondering what the heck to do next.

No matter which camp you're in, you’ve probably wondered, There's got to be some way to get better at all this money stuff. Well, there is. Seriously! It's called Ramsey+.

What Is Ramsey+?

A Ramsey+ membership gives you exclusive access to the courses that teach you how to take control of your money—and the tools you need to make it happen. With resources like Financial Peace University and the premium version of EveryDollar, you’ll pay off debt fast, save for emergencies, spend wisely, and invest in your future.

Think about other memberships you join because you’ve got a goal. To get healthier, you go to Noom or Headspace. To learn and grow in a skill, you join MasterClass. To streamline or simplify your life, well, that’s Amazon. These memberships offer what you need to make your goal a reality.

That’s what Ramsey+ does. . . for your money goals.

Now, let’s talk about exactly what you’ll get and exactly how you can use it.

What’s Included in Your Ramsey+ Membership?

When you sign in to your Ramsey+ membership, you’ve got a wealth of benefits at your literal fingertips. Here’s the highlight reel before we break down the details:

Financial Peace University
The Premium Version of EveryDollar
20+ Hours of On-Demand Money Courses
Exclusive Livestream Access
Free Audiobooks
Savings and Debt Payoff Tracker

Oh, and More . . .

Financial Peace University     

Almost 10 million people have learned the right way to manage money—and it’s not magic or luck. It’s Financial Peace University (aka FPU). This nine-lesson course teaches you how to walk the Baby Steps and thrive in personal finance basics like insurance, wise spending, real estate and mortgages, and even outrageous generosity.

These tried-and-true principles are what Dave Ramsey’s been teaching for over 25 years. And. They. Work.

As a Ramsey+ member, you can take FPU in a few different ways: Join an in-person or virtual group to connect with others, or stream it at your own pace—from the comfort of your own couch.

And there’s no super confusing language. Really. FPU gives you the money info you need without the confusing financial blah blah blah everyone else is dishing out. Yes, please and thank you.

The Premium Version of EveryDollar

But how do you put all that knowledge into practice? Budgeting.

So, we’ve got this wonderful budgeting app called EveryDollar. And when you level up to Ramsey+, you unlock the premium version of EveryDollar.

What does this premium version hold? Only some of our favorite budgeting features ever. Features that make it easier and more efficient to build good budgeting habits you can actually keep up with. Features like . . .

• Bank Connectivity

Connect EveryDollar to your bank so transactions stream straight in to your budget. You just drag and drop them to the right budget line. Don’t worry about forgetting transactions or typing them in wrong. It’s faster. It’s more accurate. It’s freaking incredible. 

• Budget Reports

Do your money habits line up with your money goals? With budget reports on income vs. spent, on monthly income, and on spending totals, trends and breakdowns, you’ll know the answer to that question!

This is a chance to get real—with yourself and your spending. Then you can make the changes you need to reach your goals faster, smarter and better than before.

• Transaction History

This one is for the extreme budgeters—we see you. Here’s another premium feature: a downloadable spreadsheet of your transaction history. Just hop over to the desktop view of your budget and look for the link that says Download as CSV. Click and enjoy.

• Tracking Recommendations

The premium version of EveryDollar notices trends in your tracking. Does that coffee shop expense always go to your personal spending line? Does your favorite taco truck go to restaurants? You’ll start seeing recommended tracking based on past spending. Just plop that transaction to the recommendation and save some serious scrolling time.

20+ Hours of On-Demand Money Courses

You’ll get the basics and the deep dives with all the other courses in Ramsey+. You can watch Jump Start—our crash course on the money principles that work, every time. Or check out Budgeting That Actually Works to find out how to, well, make a budget that actually works for you in your stage of life. And that’s just two of our courses!

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

You can be confident with your money. No matter your past. No matter your income. These classes teach you how. 

Exclusive Livestream Access

A Ramsey+ membership also gets you free access and discounts to all kinds of awesome livestream events. Like what, you ask?

Like Money and Marriage, where Rachel Cruze and Dr. John Delony help you and your spouse get on the same page with money—and with life!

And Paycheck to Purpose, Ken Coleman’s event that gives you the clear path to finding and doing work you love!

These are some of the offerings that popped up in Ramsey+ this year, and more are on the way.

Free Audiobooks

Right now, you can listen to Rachel Cruze's latest book, Know Yourself, Know Your Money, to see how your personality and past affect how you deal with money today—and what you can do about it! And we’re adding new books to the membership.

Savings and Debt Payoff Tracker

Stay on target and on fire. Destroy your debt. Save faster than ever. This interactive tracker makes it fun to track your money progress—giving you that extra oomph to reach those money goals like never before. Because you’ve got what it takes. You just need to keep moving!

Other Ramsey+ Member Exclusive Benefits

• A Free One-on-One Coaching Session
• A Free Federal Classic E-file With Ramsey SmartTax
• 20% Off Your Will With Mama Bear Legal Forms
• The Know Yourself Money Assessment Tool
• And More Coming Soon . . .

If I Already Took Financial Peace University, How Can Ramsey+ Help Me?

Yes, the lessons in Financial Peace University lay the foundation—but if you’ve already taken it, you can 1) re-watch the course if it’s been a while, 2) re-watch one of the lessons as a refresher, or 3) enjoy all those other benefits we listed. Because here’s the thing: You should be budgeting every single month, taxes are due every year, new livestreams come out on the regular . . . you get the picture.

Also, we can’t say enough about Know Yourself, Know Your Money—the course and audiobook inside Ramsey+. If you’ve taken FPU, this content brings a new angle to the timeless money principles we teach as you discover why you handle money the way you do. 

In other words, Ramsey+ still has plenty to offer you no matter if you’ve seen FPU once or 100 times.

What Are the Ramsey+ Pricing Options?

Ramsey+ has three different pricing options so you can do what’s best for your budget:

• Three months for $59.99
• Six months for $99.99
• 12 months for $129.99

All of these start with a 14-day free trial—which brings us to our next question.

How Does the Ramsey+ Free Trial Work?

When you click to start a free trial, you’ll set up your account and get instant, full access to Ramsey+. And. All. The. Things.

Halfway through the free trial period, you’ll get a little reminder email telling you your card will be charged soon. You can totally cancel anytime during your free trial. Or don’t. Keep that Ramsey+ goodness coming by keeping that membership alive and well.

So, there’s your breakdown of what Ramsey+ is, but you’ll honestly have a way better idea of it if you jump into that free trial and see for yourself. It’s time to start surfing through all the benefits and classes a Ramsey+ membership has to offer you.

Hey, if being stressed about money is normal, then maybe it’s time to be weird. Stop feeling the stress and start making real progress with your money. You can do this. You just need to take the first step.