Get Out of Debt
Managing your finances is 80% behavior and 20% head knowledge. Learn the right way to handle money—and get the tools to put it into practice.
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Our mission is help you take control of your money for good.
We don’t believe in managing debt—we get rid of it. Debt might seem normal, but normal is broke. We’ll help you break free from debt and build lasting wealth.
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You’ll learn new habits that’ll change how you look at money.
If you don’t intentionally manage your money, it will manage you. It’s not complicated, but you have to put in the work. We’ll help you get there using the 7 Baby Steps.
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Your journey matters, and we’ll help you every step of the way.
We know your financial situation is unique, and so is your path forward. From books to courses to coaching, we’ll help you find what works for you.
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You’ll focus on timeless personal finance strategies.
Our money advice is based on biblical financial principles and grandma’s commonsense wisdom, and it’s proven to change your behavior with money.
The Money Plan That Changes Everything
Money wisdom isn’t new—the Bible talks about it over 2,300 times. It tells us to live on less than we make, save money, and build a legacy. But today’s culture embraces debt and paycheck-to-paycheck living instead. Get back to the basics using our 7 Baby Steps and build wealth the right way.
Our Personal Finance Experts
Dave Ramsey and his team of financial experts will help you crush your money goals and stay on track with the 7 Baby Steps.
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Dave Ramsey
Personal Finance and Retirement Expert -
Rachel Cruze
Personal Finance and Budgeting Expert -
George Kamel
Personal Finance Expert -
Jade Warshaw
Personal Finance and Debt Elimination Expert
Join the 20 million people who tune in for personal finance tips, money advice and motivation.
With 27 national bestselling books, our mission is to help you take control of your finances.
Nearly 10 million families have changed their lives with our guided money course.
Reach Your Goals Faster
EveryDollar
This easy-to-use budgeting app is key to helping you stay on track and crush your money goals.
Financial Peace University
Take the course that’s helped millions beat debt, build wealth, and speed through the 7 Baby Steps.
Tax Services
File smarter, not harder. Choose our easy-to-use software or let a RamseyTrusted® pro to handle it for you.
Learn How to Take Control of Your Money
Get in-depth articles full of practical steps to help you budget, pay off debt for good, and build lasting wealth.
Money
What Is Loud Budgeting? 5 Tips to Get Started
The loud budgeting movement is all about financial transparency. But what is loud budgeting, and how do you get started? Here are five tips.
Jade Warshaw
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How Much Does It Cost to Adopt a Child
Adoption is one of the most beautiful and rewarding acts. But it can be so expensive. Find out how much it costs and how to afford the expenses so you can make your adoption dreams a reality.
Ramsey Solutions
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15 Romantic Dinner Ideas on a Budget
A celebration is no excuse to overspend. Here are 15 creative and romantic dinners ideas on a budget, including some that are free!
Rachel Cruze
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How to Know If You Can Afford Something
You want to buy that smartphone, car, house—whatever it is. But you wonder if you should, or even can, make the purchase. Let’s find out exactly how to know if you can afford something (or not).
Ramsey Solutions
Money
Redefining Normal: A Ramsey Plan Comparison Study
The latest study from Ramsey looks at data from both people who follow the Ramsey Baby Steps and the general U.S. population to see if the “normal” way of handling money is really better.
Ramsey Solutions
Money
Goodbudget vs. EveryDollar: Which Is the Best Free Budgeting App?
Good news! You can enjoy the world of digital budgeting at zero cost. And you have options! Let's compare Goodbudget and EveryDollar so you can know which is the best free budgeting app for you.
Ramsey Solutions
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FAQs
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What are God’s and grandma’s ways of handling money?
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The Bible has 2,350 verses on money, offering a clear blueprint for managing your money the right way. By following God’s financial principles—budgeting, saving, avoiding debt, and building wealth—you can experience financial peace and be free to give generously. Ramsey’s proven, commonsense Baby Steps plan isn’t just about money—it’s about creating a secure future and living with purpose. Learn more about God’s ways of managing money.
Where does grandma come into this? Well, these commonsense money principles—just like your grandma or great-grandmother used to follow—have helped generations manage their money well. Dave has been teaching these principles for 30 years because they still work today.
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Shouldn’t personal finance include credit card and loan management?
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We believe having debt is the opposite of healthy personal finances. Your income is your greatest wealth-building tool. And you can’t build wealth when all your income goes toward debt payments every month. That’s why a life without credit cards and loans is a life of financial peace—no more worrying about missed payments or using your paychecks to cover the past. Learn how to pay off debt fast.
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Where can I learn about investing and retirement?
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When you follow the 7 Baby Steps, you’ll start investing 15% of your household income in retirement after you’ve completed Baby Steps 1–3. Once you’ve paid off all your consumer debt and saved 3–6 months of expenses in a fully funded emergency fund, then you’re ready. Find out more about how to invest in your future with a trustworthy pro.
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Should I use tax software to file myself or do I need a tax pro?
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If you have personal or self-employed income and feel confident using tax software, you can easily file online with Ramsey SmartTax. If you have more complicated taxes, don’t want to take the time to do your own taxes, or want expert advice, then a RamseyTrusted® tax advisor is for you.