Money

You don’t need a finance degree to transform your money—it’s 80% behavior and 20% head knowledge. Get the plan and budget you need to help you take control for good.

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Tell Your Money Where to Go Instead of Wondering Where It Went

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In just 15 minutes, EveryDollar helps you find thousands in margin and builds you a personalized plan to make the most of your money.

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Christina I. is using the EveryDollar app where you can find $3,015 of margin in your budget in 30 days. There is a scannable QR code to download the app on your mobile device.

Tools That Fuel Your Budget

You work too hard to feel this broke! Get the tools that give your budget a purpose—and start winning with money.

Guide

EveryDollar Guide to Budgeting

Discover the simplest way to plan and track your saving, spending and giving.

Tool

Budget Calculator

Type in your income and get a budget example to begin.

Tool

Debt Snowball Calculator

Check out how fast you can be debt-free for good.

Tool

Student Loan Payoff Calculator

See how to get rid of your student loans once and for all.

Free 3-Minute Assessment

Find Your Starting Point

The 7 Baby Steps are the proven plan that gives your budget the power to transform your money. Answer a few questions and find out which step you’re on.

Which one best describes your current money situation?

Select the answer that most applies to you and continue the assessment.

I try to stay on top of things, but saving money is hard.

I am often stressed about money because of my debt.

I know I could manage my money better with the right plan.

I feel on track with my money but need help with investing.

Learn How to Take Control of Your Money

Don’t settle for being “normal” with money. Get tips and action steps to help you make the most of every dollar.

Money

Credit Counseling: What Is It and Does It Work?

8 min read

When the debt collectors are calling, nothing sounds better than heading to your nearest credit counseling agency for help. But is it really the best help for getting out of debt? We’ve got the answer right here.

Ramsey Solutions

Money

What Is a FICO Score?

12 min read

A FICO score isn’t a measure of how successful you are. So, what is a FICO score? It’s really an “I love debt” score. Here’s what you need to know.

Ramsey Solutions

Money

What Is Upstart?

8 min read

What is Upstart? Learn about this new artificial intelligence platform that gives people loans—and why you should avoid this service to protect your financial future.

George Kamel

Money

How Does Debt Settlement Work?

10 min read

If you’re thinking about debt settlement, think again. There’s a better way to get out from under all that debt, and we can help.

Ramsey Solutions

Money

Fingerhut Review: Online Shoppers Beware

9 min read

What’s up with Fingerhut? A lot of shady stuff, that’s what. It may seem like a great way to get a good deal. But it’s actually a quick way to get trapped in a cycle of debt.

George Kamel

Money

How to Get Help With Medical Bills

8 min read

Need help with medical bills? Here’s what to do if you don’t have the money to pay.

Ramsey Solutions

Money

10 Money Traps to Avoid

11 min read

So you want to be smart with your money? Great! Then you’re going to want to watch out for these money traps and start avoiding debt with everything you’ve got.

Ramsey Solutions

Money

UltraFICO: Ultra Ridiculous

10 min read

We’re breaking down everything you need to know about UltraFICO and how it’s impacting credit scores.

Ramsey Solutions

Money

4 Reasons People Become Financial Coaches

5 min read

Financial coaching changes lives. That’s just one of the reasons why people become financial coaches. If you want to become a Dave Ramsey financial coach, now is the best time to do it.

Ramsey Solutions