Thank you!!! Even in my jobless state, I am able to keep my head above the waterline and excel! It’s amazing how well off I feel just by having a plan and the first four steps completed!
Michelle
Learn with others in a virtual Financial Peace University class!
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Financial Peace University is now part of Ramsey+, our all-access membership.
Whether you realize it or not, money affects everything—your health, relationships, job performance, and even your future. And when your finances feel out of control, your life does too. But Ramsey+ can help.
Kick-start your journey with our online money courses, including Financial Peace University—our bestselling course that teaches you the clear steps to take. Then get to work putting those steps into action with our three apps that help you create the worry-free life you want.
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Learn all about money.
There's a lot of information floating around about how to manage your money—and most of it isn't helping you. Listen—money doesn't have to be complicated. Ramsey+ has an entire content library (including FPU) made for people like you. You'll discover everything you wish you'd learned about money—and what to do next. At any stage of life. With any income.
Take control of your money.
The best financial habit you can build is budgeting every month. Learn how to budget and why it's important. Then take the guesswork out of managing your money with EveryDollar. You'll plan your spending and track your expenses every single month—so you're always in the driver's seat of your finances.
Track your progress.
Once you know the steps to take and how to take them, you need to see how you're doing—because seing your progress keeps you motivated along the way. Watch those small wins pile up into big results and get customized tips along the way with the BabySteps app.
What makes Ramsey+ different from other plans?
We call it the 7 Baby Steps. This money plan has helped millions change their lives. It's not magic—it just works. You'll make small (but better) choices with money that add up to big wins and turn into lifelong habits. You'll discover how to save money, pay off debt, and invest and plan for your future. That's how you make real financial progress.
In the first 90 days, the average household
We promise—if you do the plan, it works.
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For years, I felt like a budget was so restricting and scary. I hated it and just wanted to spend my money when I wanted and how I wanted. After taking this course, I see how budgeting helps me spend my money wisely, while being financially responsible, and I can still spend on things I want and need.
AnnaLiese
The people behind EveryDollar are A+ and it shows in how intuitive this app is. Everything gets updated automatically, and I literally just drag and drop the transaction into whatever section of the budget I need to. It takes about 3 months to really start to put a solid budget together after some trial and error. I’ll be debt-free this year, and I'll continue using this app for building wealth. Thanks to Dave and his team for providing these great tools.
Kavika
EveryDollar is by far one of the easiest and simplest ways to budget. It links to your bank account and tracks the transactions. All you have to do is click and drag the transaction to the corresponding category—it’s just that easy—and you are now well on your way to budgeting responsibly. It has helped me tremendously as a visual and guidance tool for my family’s money.
Kyle
You are never too old to learn how to properly manage your money. This course taught us how to work together as a couple and how to be disciplined about our spending. You don't have to eat bologna sandwiches—just learn how to direct your spending while still enjoying life!
Dan and Elizabeth
My husband and I just finished the free trial and wanted to say thank you. I’ve been trying to do Dave Ramsey-ish for years by myself because I couldn’t get my husband on board and I knew we couldn’t afford it. This opportunity allowed us to do it together and he’s now all in. I feel very hopeful for the future knowing I now have a partner to do this together. No more “ish.” Thank you for all you do!
Mary
Frequently Asked Questions
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What is Financial Peace University?
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Financial Peace University has been our flagship product for almost 30 years. Nearly 6 million people have gone through the nine lessons and learned the proven plan to pay off debt, save for emergencies, and build wealth. You can go through Financial Peace University with other people by joining a class, or on your own with our on-demand videos and guided lessons. Financial Peace University is now included with a Ramsey+ membership.
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How much does Financial Peace University cost?
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Financial Peace University is an exclusive feature of a Ramsey+ membership—our all-access membership to the life-changing tools and content that will help you take control of your money for good. You can get a three-month membership for $59.99, a six-month membership for $99.99, or a 12-month membership for $129.99.
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How long is Financial Peace University?
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Financial Peace University is made up of nine video lessons. You can go through the lessons at your own pace, or you can join a virtual or in-person class and go through it with others. Most classes meet once a week for nine weeks for 45 to 90 minutes, depending on the class structure.
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What is Ramsey+?
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Ramsey+ is an all-access membership to our best money tools, apps and content. With Ramsey+ you’ll discover how to take complete control of your money—and get the tools you need to make it happen. Your membership includes access to our online courses, including Financial Peace University, the premium version of EveryDollar, the BabySteps app, PLUS so much more.
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Who is Ramsey+ for?
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Ramsey+ is for people who need help or want to do better with money! It has the content, tools and resources you need to reach your money goals faster. Whether you’re trying to get out of debt or save for retirement, Ramsey+ is here for the entire journey.
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Is Ramsey+ three different apps?
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Ramsey+ includes three different apps: FinancialPeace, EveryDollar and BabySteps. But you also get tons of other great features, like virtual groups with Financial Peace University, coaching resources, tailored content and budget reporting.
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Can I get a subscription to only one app?
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A Ramsey+ membership gives you access to all three amazing apps. It’s like getting guac, queso and salsa for the price of one. We don’t do individual app subscriptions.
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Can I buy Ramsey+ as a gift for someone else?
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You bet! Visit our store to purchase. When you check out, select “Send as a gift” and fill in the recipient’s information at the bottom of the form. After you purchase, they will immediately receive an email with instructions on how to set up their account.
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Can I share my membership with my spouse?
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Yes! You can log in to multiple devices using the same username and password you created your account with.
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Do I need a Ramsey+ membership if I've already taken Financial Peace University?
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Yes. The good news is, we are updating our content and adding new courses and resources all the time. The better news is, we have tools that will help you every step of the way.
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What happened to the Financial Peace Membership?
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We took the Financial Peace Membership and made it a Ramsey+ membership. We added more content and put all of our bestselling tools together in one all-access package.
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How do I join a virtual class for Financial Peace University?
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After you create your account, sign in to ramseyplus.com and click on the Learn tab. Select Start Financial Peace University, then Find a Class. You can search by day of the week and meeting time to find a class that fits your schedule. There are lots of classes starting up all the time!
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Do I need the Financial Peace University workbook to get started?
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Nope! Being in a virtual class and having a workbook are just a couple ways to get started. But you can also choose to watch the content at your own pace. Either way, you can start budgeting and tracking your progress as soon as you sign up!
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I’ve got a subscription to EveryDollar Plus. Do I need to do anything to get Ramsey+?
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Nope! In fact, EveryDollar Plus users have always had access to all the great content in Ramsey+. Just sign in to Ramsey+ with your EveryDollar login info and you’re good to go.
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Does Ramsey+ help me even if I'm not in debt?
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Absolutely! With Ramsey+, you’ll learn all about the 7 Baby Steps. This is the money plan for real life—ALL of your life. Getting out of debt isn’t the peak of your money journey. It’s just the beginning.
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Is $129.99 really worth it?
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We know it is. Following the 7 Baby Steps, the average household finds $332 after their first month of budgeting. In the first 90 days, the average household pays off $5,300 in debt and puts $2,700 into savings. And that’s just in the first three months! Imagine what you can do after that.