Start Investing
Your income is your best wealth-building tool, and it’s never too late to get started. Get the help you need to turn your dream into a plan.
Principles That Have Helped People Build Wealth for 30 Years
Our proven financial plan is built on the 7 Baby Steps, which have helped millions pay off debt, save a 3–6-month emergency fund, and then build wealth using these four steps.
Invest 15% of Your Income
Contribute 15% of your income (plus any employer match) into tax-advantaged retirement accounts.
Diversify Your Portfolio
Invest equally in four types of mutual funds: growth, aggressive growth, growth and income, and international.
Keep a Long-Term Perspective
Investing is a marathon, not a sprint. Remember: Time in the market beats timing the market.
Work With a Financial Advisor
Team up with an advisor who teaches you to make your own best choices with your own money.
Investing Doesn’t Have to Be a Solo Sport
Pro Support
Get an Advisor Who Values Serving Over Selling
You don’t have to leave important retirement decisions to guesswork. SmartVestor Pros are investment professionals who can help with retirement planning, wealth management and more. Ready to work with a pro who leads with the heart of a teacher?
Ramsey Solutions is a paid, non-client promoter of participating pros.
Free Investing Tools
Get in the driver’s seat of your financial future and create a road map for the journey ahead.
Level Up Your Investment Knowledge
Find answers and practical steps to building wealth. It’s investing made simple with no finance degree required.
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Ramsey Shows and Podcasts
Join Dave Ramsey and our team of experts as they answer questions from real people about building wealth—and the money myths to avoid.
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How Should I Start Investing?
Discover our simple and effective strategy that anyone can use to start investing.
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More Investing and Retirement Resources
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.