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.
One man’s on track to save $40K this year—and it all started with a budget. See how he did it (and how you can too).
A six-figure negative net worth wasn't enough to stop this couple from turning their family tree around and getting out of debt! Watch the video to hear their story.
This newlywed couple got on the same page with money. Learn how they built trust, managed finances together, and set themselves up for financial freedom as a team.
This couple found an extra $400 in just one month—with one simple habit: budgeting. See how they did it.
David and Gail were in their mid-60s when they attended their first Financial Peace University class. And they paid off all $82,000 of their debt while they were retired!
They found enough “extra” cash to bump up their debt payment from $670 to $1,400 a month. That’s more than double their original payment!
This family cut $600 off their monthly grocery bill just by tracking expenses and tweaking their shopping habits. Discover how they made it happen.
It's such a powerful story that Dave wanted you to hear it directly from him.
On Wednesday night, a group of convicted criminals in Seattle will reluctantly stand up and shout, "Show me the money!" Read this inspiring story of how their lives are being transformed.
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.