Get Out of Debt
You don’t need a finance degree to transform your money—it’s 80% behavior and 20% head knowledge. Get the plan and budget that put you in charge once and for all.
Join the Millions Who Have Changed Their Money and Their Future
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years of providing hope
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lives positively impacted
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found in margin
Find Margin, Beat Debt, Build Wealth
In just 15 minutes, the EveryDollar Budget helps you . . .
Find hundreds of dollars of extra margin every month.
Build a plan to make the most of your dollar, every day.
Get support from expert coaches right when you need it.
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.
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.
Find the Personal Finance Guidance You Need
Don’t settle for being “normal” with money. Get tips and action steps to help you make the most of every dollar.
Ramsey Shows and Podcasts
Join our team of experts as they answer tough questions from real people about budgeting, saving, getting out of debt and building wealth.
Recommended Video
What Is a Budget?
A budget is a simple plan for your money—helping you breathe easier and reach your goals.
Big Paychecks Won’t Fix Dumb Financial Decisions
Tuesday, October 28 | Hour 0
Tuesday, October 28 | Hour 0
Big Paychecks Won’t Fix Dumb Financial Decisions
Normal Is Broke—Don't be Normal!
Monday, October 27 | Hour 0
Monday, October 27 | Hour 0
Normal Is Broke—Don't be Normal!
You Can Rebuild No Matter Where You Are
Friday, October 24 | Hour 0
Friday, October 24 | Hour 0
You Can Rebuild No Matter Where You Are
It’s Time To Stop Surviving And Start Winning With Money
Thursday, October 23 | Hour 0
Thursday, October 23 | Hour 0
It’s Time To Stop Surviving And Start Winning With Money
Stop Letting Other People Wreck Your Finances
Wednesday, October 22 | Hour 0
Wednesday, October 22 | Hour 0
Stop Letting Other People Wreck Your Finances
You Can’t Outearn Your Stupidity
Tuesday, October 21 | Hour 0
Tuesday, October 21 | Hour 0
You Can’t Outearn Your Stupidity
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Build Real Progress One Step at a Time
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Step 1: Save $1,000 for your starter emergency fund.
Step 2: Pay off all debt (except the house) using the debt snowball.
Step 3: Save 3–6 months of expenses in a fully funded emergency fund.
Step 4: Invest 15% of your household income in retirement.
Step 5: Save for your children’s college fund.
Step 6: Pay off your home early.
Step 7: Build wealth and give.