Financial Peace University - Now Part of an All-Access Ramsey+ Membership

Financial Peace University

The Proven Plan to Pay Off Debt Fast

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When debt isn’t holding you back, nothing can stop you from living the life of your dreams (yeah, that one you’re thinking about right now). And here’s the good news: You can get there. You just need a plan that works.

That’s Financial Peace University—only available inside a Ramsey+ membership. FPU is the nine-lesson course that teaches you the step-by-step plan—aka the Baby Steps—to pay off debt fast and save more money for your future.

Stuffy financial classes? Not here. FPU is full of energy, easy-to-understand lessons, and real-life examples of people just like you who have taken control of their money. For good.

Dave Ramsey’s been teaching commonsense, biblical money principles for over 25 years. And they work. Every time. Just ask the nearly 6 million people who have taken FPU and never have to worry about money again.

You’re next. Ready?

In Financial Peace University, you’ll learn how to:

  • Take control of your money
  • Attack debt with a vengeance and pay it off fast
  • Save for emergencies
  • Choose the right insurance plans
  • Invest wisely and build wealth
  • Give generously (the best part)

You can also:

✔️ Join an in-person or virtual class for community and support.

✔️  Stream the lessons anytime. Anywhere.

✔️  Download the digital course workbook.

Get access to FPU through a Ramsey+ membership, which also includes all the content and tools you need to work 👏🏻 the 👏🏻 plan. 👏🏻 (Because just knowing the plan isn’t enough.) You’ll get the premium version of EveryDollar (our world-class budgeting tool), a free 1:1 coaching call, a savings and debt payoff tracker, plus so much more.

What's Included?

  • Ramsey+ Learn Financial Peace University

    Financial Peace University

    Learn the step-by-step plan to pay off debt fast, save for your future, build wealth, and give generously that’s worked for nearly 6 million people! Now, you can stream the nine-lesson course on your own or join an in-person or virtual class for community and support.

  • Ramsey+ Budget with EveryDollar Plus

    Premium Version of EveryDollar

    Plan where all your money goes and keep track of every transaction with the ad-free, premium version of our world-class budgeting app. Got money goals? Budgeting with EveryDollar will help you reach them faster!

  • On Demand Courses - Ramsey+

    More On-Demand Courses

    Learn the basics or go deeper with 20+ hours of money content. Watch anytime. Anywhere.

  • Ramsey+ Track Your Progress with the New BabySteps App

    Savings and Debt Payoff Tracker

    Visualize, track and celebrate progress toward your savings and debt payoff goals, big and small.

  • Exclusive Livestream Events - Ramsey+

    Exclusive Livestream Events

    Get online access to our world-class live events. Learn from our experts on money, career, family, leadership and more.

  • 1:1 Coaching Call - Ramsey+

    1:1 Coaching Call

    Get your money questions answered with a free financial coaching session. (Yes—you get to talk to a real person!)

  • Free Audiobooks - Ramsey+

    Free Audiobook

    Listen to Rachel Cruze's latest book, Know Yourself, Know Your Money, and get to the root of why you spend money the way you do (and what to do about it!). More audiobooks to come soon!

  • Watch at Home OR Join a Group

    You can watch the videos on your own schedule from the comfort of your home and join discussions in our online community. Or you can join one of the 5,000+ local and virtual groups to stay motivated and connect with people just like you.

    See Available Groups

  • Ramsey SmartTax

    Ramsey SmartTax

    Get a FREE Federal Classic e-file with Ramsey SmartTax—our tax software that makes filing taxes easy and secure!

Customer Ratings and Reviews

Dave Ramsey

About Dave Ramsey

Dave Ramsey is a seven-time #1 national bestselling author, personal finance expert and host of The Ramsey Show, heard by 18 million listeners every week. He has appeared on Good Morning America, CBS This Morning, Today, Fox News, CNN, Fox Business and many more. Since 1992, Dave has helped people take control of their money, build wealth and enhance their lives. He also serves as CEO for the company Ramsey Solutions.

Rachel Cruze

About Rachel Cruze

Rachel Cruze is a two-time #1 national bestselling author, financial expert and host of The Rachel Cruze Show. She has appeared on Good Morning America, Today and Live With Kelly & Ryan, among others. Since 2010, Rachel has served at Ramsey Solutions, where she teaches people how to avoid debt, save money, budget and win with money at any stage in life.


Can I share my membership with my spouse?

Yes! Just use the same username and password to log in to as many devices as you need.

What are the Baby Steps?

The 7 Baby Steps are the proven plan to pay off debt faster and build lasting wealth. For more information, check out

Do I need a Ramsey+ membership if I've already taken Financial Peace University?

Learning to handle money the right way doesn't stop after the nine lessons in FPU—it's a lifelong journey. There are tons of tools, new courses, deep dives and other perks that come with a Ramsey+ membership—like free federal tax filing, audiobooks and livestreams.

Can I buy Financial Peace University separately?

No, Financial Peace University is only available with a Ramsey+ membership. FPU teaches you the proven plan to take control of your money. But knowing the plan is only half of the battle—you need the tools and resources to do it. That's why your Ramsey+ membership also includes the premium features of our budgeting app, EveryDollar, plus lots of other courses, audiobooks and benefits!

Can Financial Peace University help me if I don't have debt?

Definitely! FPU is about more than just paying off debt. It's about saving, planning for the future, and being confident in how you handle your money. FPU teaches you the proven plan to handle money and be prepared for any financial situation.

How long is Financial Peace University?

Financial Peace University is made up of nine video lessons. You can go through the lessons and activities at your own pace, or you can join a class and go through it with others. Most classes meet once a week for nine weeks for 45 to 90 minutes.

I have an activation code. What do I do?

Redeem it here -

Where can I sign up for a Financial Peace University class?

Click here to learn more about joining an in-person or virtual class.

Shipping & Delivery

Physical Shipping

All physical products will be processed and ready to ship within two business days (often even faster). The total delivery time depends on the service you select and where your order is being delivered. You may see multiple shipping options to choose from during checkout. Our default choice will always be the most economical, but not necessarily the fastest.