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
If Normal Is Broke. . .
. . . be weird in 2026! With our EveryDollar budget app, you’ll find extra money to beat debt, build wealth, and live like no one else.
Don’t Let Taxes Overwhelm You
Do tax prep early this year with a service you trust. Whether you plan to file solo or need a pro’s support, we’ll help you get there with ease.
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.
Filter what episodes and topics you want to hear using the Ramsey Network app.
Level Up Your Money Knowledge
Build Real Progress One Step at a Time
Get weekly emails you’ll actually love—with practical advice, real stories and tips that’ll make you laugh, learn and take action.
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.