My husband opened his own commercial painting business in May. He knows he will have about three months in the year where he’s making little to no income. We’ve gotten $1,000 set aside for our Baby ...

On Tuesday, a caller to The Ramsey Show sparked debate after family members urged him to put savings toward his mortgage instead of debt, prompting Dave Ramsey to deliver one of his trademark blunt ...

The caller, who introduced himself as Jeeoff, said he had about $22,000 in savings and $12,500 in outstanding loans while working through Baby Step 2 of Ramsey's seven-step plan. Both his father and ...

A friend told me about your Baby Steps plan, and after years of living paycheck-to-paycheck and running up credit card bills, I’m ready to get control of my finances. I just have one question. Baby ...

Dear Dave: I have a rental property that I still owe some money on, and I've just begun Baby Step 2 of your plan. Should rental property debt be included in the debt snowball? — Matt Dear Matt: No, it ...

Dear Dave: My husband and I are on Baby Step 2, and we’ve paid off about $30,000 in consumer debt since March. We were wondering if we should refinance our mortgage. Our current rate is 4.875%, with ...

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links. Breaking out of the debt cycle isn’t ...

I recently experienced a medical emergency and unexpected hospital stay. I’m about halfway through Baby Step 2, and I’m paying off my debts using the debt snowball system. I have good insurance, but ...

Ready to start Dave Ramsey’s baby steps to financial freedom? We have been on our debt free journey for a while now, and created quite a few Dave Ramsey Baby step free printables to stay motivated on ...

I just finished paying off all my consumer debt in Baby Step 2. It took a long time, but I finally did it. Now, it’s time to grow my $1,000 beginner emergency fund to a full-funded emergency fund.

A friend told me about your Baby Steps plan, and after years of living paycheque to paycheque and running up credit card bills, I’m ready to get control of my finances. I just have one question. Baby ...