If you’re breathing, you can expect that something will come up—and you need to be ready. That’s why you’ll build an emergency fund when you start our plan. In fact, it’s the first step you’ll take with Ramsey+.

Don’t buy it unless you can afford it. Period. We know that steps on some toes—because that means no financing or credit cards. But there’s no greater feeling than paying cash for something you’ve budgeted for. We’ll help you plan and track every dollar you save.