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, an EveryDollar budget helps you . . .
Find hundreds of dollars of extra margin to use every month
Build a plan to make the most of each 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. Build stronger money habits that’ll 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.
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He Has Marriage Problems Disguised As Money Problems
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A $60,000 Mistake Turned Into a Wake-Up Call
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Friday, October 31 | Hour 0
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Lean Into Hard Things—That’s Where Change Happens
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Thursday, October 30 | Hour 0
Lean Into Hard Things—That’s Where Change Happens
Stop Chasing Payments and Choose Freedom
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Wednesday, October 29 | Hour 0
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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
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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.