9 Genius Dave Ramsey Tips that Will Help you Achieve Financial Freedom

Dave Ramsey’s Baby Steps

You’ve heard about the all famous baby steps and you know that it gets you to the stage of financial freedom and helps you take control of your money. You know that millions of people have learnt to better manage their money through these steps. But what exactly are the Dave Ramsey’s baby steps?

Here’s a quick and simple breakdown.

• Baby Step #1 

Save $1000 for a starter Emergency Fund

• Baby Step #2

Use debt snowball to pay off all your debt (except your mortgage)

• Baby Step #3

Save 3-6 months worth of expenses in an emergency fund.

• Baby Step #4

Invest 15% of your income in retirement

• Baby Step #5

Save a College Fund for your kids

• Baby Step #6

Pay off your mortgage early

• Baby Step #7

Build wealth and give

Taking your journey to financial freedom one step at a time will definitely make the entire process an easier one. The baby steps break it down into simpler, easy to manage tasks.

But because Dave really wants to help you get out of debt, manage your money better, take vacations that you can afford and really live your best and happiest life, he has gone a step further to create The Total Money Makeover Workbook which will help you apply and stay on track when completing the baby steps.

This book is loaded with exercises and great guides. If you like to make lists, stay organized and have your sh*t together, I highly recommend getting this workbook!

Okay so now that you have an idea of what the baby steps are, let’s get on to applying these steps to your life.

9 Dave Ramsey Tips You’ll Wish You Knew Sooner

1. Build an Emergency Fund

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