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 you need to help you take control for good.
In just 15 minutes, EveryDollar helps you find thousands in margin and builds you a personalized plan to make the most of your money.
You work too hard to feel this broke! Get the tools that give your budget a purpose—and start winning with money.
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.
Don’t settle for being “normal” with money. Get tips and action steps to help you make the most of every dollar.
These top 30 money tips from Dave’s financial coaches will help you get out of debt, save money, build wealth, and live a more meaningful life. Don’t miss number 27!
If you're considering filing for bankruptcy, listen up: You have other options! Here are six steps to avoid bankruptcy.
Here’s what to expect before, during, and after meeting with your financial coach.
Got so much debt that bankruptcy feels like your only option? Learn the truth about the most common type of bankruptcy and what you can do to get back on your feet.
What happens to your student loans when you die depends on a few things—what kind of loan you have, when you took out the loan and the lender’s agreement.
Once upon a time, you couldn’t refinance private student loans. But that’s been changing. This is everything you need to know to refinance your private student loans.
What debt collectors can do and what they actually do aren’t always the same thing. Know your rights so you can protect yourself from illegal or harassing debt collection practices.
Parent PLUS loans can seem like a good idea at the time, but then sky-high interest rates turn into never-ending payments. There’s hope! Learn how to refinance and get on the path to debt freedom.
A Parent PLUS Loan is anything but a plus for your financial goals. If you’re considering taking one of these monsters on, we’re going to talk you through how it works—and how it fail.
Join our team of experts as they answer tough questions from real people about budgeting, saving, getting out of debt and building wealth.
A budget is a simple plan for your money—helping you breathe easier and reach your goals.
Filter what episodes and topics you want to hear using the Ramsey Network app.
Every week, receive expert guidance and practical steps to help you stay on track with your goals and create a strong financial future.
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.