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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We just made some huge updates to Financial Peace University! So, whether you’ve never experienced the hope of FPU or just need a refresher, now’s the time to take the course. 

Two New Experts

Mental health expert Dr. John Delony and money myth-buster George Kamel make their FPU debut with new content on how to have more power over your spending. 

New Content

We’ve added even more content throughout the course to help you deal with the money challenges you’re facing today. You’ll learn:

  • How companies manipulate our brains to get us to buy—and how you can outsmart them.
  • How you can become a millionaire and the myths about building wealth that are just plain wrong.
  • How to avoid the modern money traps that are stealing from your paycheck (we’re looking at you, buy now, pay later).
  • And even more!

What’s FPU All About?

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?

  • Learn <i>Financial Peace University</i>

    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 10 million people! Follow along with all nine lessons in your free digital workbook.

  • Watch on Your Own OR Join a Class

    Stream the course on your own from the comfort of your home. Or get extra motivation and connect with people just like you by joining an in-person or virtual class.

    See Available Classes

  • 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+

    Unlimited Group Financial Coaching

    Know for sure that you’re doing the right thing with your money by bringing all your questions to our personal team of financial coaches. (Yep, live coaching. With actual human beings.)

  • Free Audiobooks - Ramsey+

    Free Audiobooks and Bonus Content

    Listen to Rachel Cruze's latest book, Know Yourself, Know Your Money, watch our documentary Borrowed Future, and check out even more incredible content.

  • 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 #1 New York Times bestselling author, financial expert, and host of The Rachel Cruze Show. Rachel writes and speaks on personal finances, budgeting, investing and money trends. As a co-host of The Ramsey Show, America’s second-largest talk radio show, Rachel reaches 18 million weekly listeners with her personal finance advice. She has appeared on Good Morning America and Fox News and has been featured in publications such as Time Magazine, Real Simple Magazine and Women’s Health Magazine. Through her shows, books, syndicated columns and speaking events, Rachel shares fun, practical ways to take control of your money and create a life you love.

Dr. John Delony

About Dr. John Delony

Dr. John Delony is a mental health expert with two PhDs from Texas Tech University—one in counselor education and supervision, and the other in higher education administration. Before joining Ramsey Solutions in 2020, John worked as a senior leader, professor and researcher at multiple universities. He also spent two decades in crisis response, walking with people through severe trauma. Now at Ramsey Solutions, John is a syndicated columnist, and he writes, speaks and teaches on relationships, mental health, anxiety and wellness. He also serves as co-host of The Ramsey Show, the second-largest talk show in the nation that’s heard by 18 million weekly listeners, as well as host of The Dr. John Delony Show. In 2022, John’s book Own Your Past, Change Your Future instantly became a #1 national bestseller. You can also find John featured on DailyMailTV, Fox Business and The Minimalists Podcast.

George Kamel

About George Kamel

George Kamel is a personal finance expert, certified financial coach through Ramsey Financial Coach Master Training, and nationally syndicated columnist. George has served at Ramsey Solutions since 2013, where he speaks, writes and teaches on personal finance, investing, budgeting, insurance and how to avoid consumer traps. He co-hosts The Ramsey Show, the second-largest talk show in the nation that’s heard by 18 million weekly listeners. He also hosts The EntreLeadership Podcast and The Fine Print podcast, which has over one million downloads. You can find George’s financial expertise featured in the U.S. Sun, Daily Mail and NewsNation.


What does my membership include?

So glad you asked. For starters, you’ll get access to That’s where you’ll find all nine video lessons taught by Dave Ramsey, Rachel Cruze and Chris Hogan. We’ll also help you find a local group if you want to attend in person. Your membership includes:

  • A workbook that goes along with the lessons.
  • The opportunity to ask questions to our trained financial coaches.
  • Legacy Journey, Dave’s six-lesson course on building wealth.
  • Smart Money Smart Kids, Rachel and Dave’s course on teaching your kids about money.
  • An online community made up of like-minded folks who are working to get out of debt, save and invest for the future.
  • Exclusive Ramsey event livestreaming.
  • Access to EveryDollar Plus, the budgeting tool we created with you in mind.
  • Plus, other amazing tools for tracking your progress.

Does my membership cover my spouse?

Yes! Only one membership is needed per household.

How long does a membership last?

Your membership is an annual membership that renews every year. You can cancel at any time.

How do I find groups in my area?

Click the "See available groups in your area" link above to search by address, city, state or ZIP code.

How often does a group meet? For how long?

Groups meet once a week for nine weeks to watch and discuss each video lesson together. Each week, groups typically meet for about 90 minutes.

What if I miss one week of my group?

No biggie! You can watch the lesson you missed from your online account. However, you must attend eight of the nine weeks to qualify for a graduation certificate.  

What if there isn't a group in my area or one that fits my schedule?

Don't let that keep you from changing your life! Purchase your membership now and start working through the lessons at your own pace. You can join an in-person group at any time if one becomes available for you.

Is there childcare available for groups?

Some groups offer childcare, and others do not. After you activate your membership, you'll be able to view the details of each group before registering for that group.

How long does a gift membership last?

A gift membership lasts 12 months. The recipient will have the option of renewing the subscription at the end of the 12-month period.

Can I send Financial Peace University to someone who does not live in the United States?

Not yet, but we're working on a solution for you!

Can I get Financial Peace University in another language?

We only offer Financial Peace University in English at this time.

How will my gift recipient register for a group?

Your gift recipient will receive with a workbook that contains an access code to Once your recipient has activated his/her account, he/she will be able to register for a group.

What if there isn't a group in the area of my gift recipient?

Don't let that keep you from changing his/her life! Purchase the membership now and the recipient can start working through the lessons and activities at his/her own pace. Your gift recipient can join an in-person group at any time if one becomes available.

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.