Dave Ramsey—author, talk show host and personal finance expert—has a simple message for people who want to change their financial lives: It will be hard work, but it will be worth it! No matter where you are in your Total Money Makeover, we're here to help you take that next step. Get started now with the tools below.
"Fifty-two years of greed and big payments, now bankrupt, broke, and starting over. Your financial plan is just what I've needed. It's providing hope and giving my family a plan and a possible future. The only negative is I wish I did this years ago..." —raz1226
Beat debt and build wealth with these free resources.
The show is all about life, love and relationships—and how they all happen to revolve around money.
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Check out Dave's answers to people who call his show for advice.
$1,000 to start an emergency fund
Pay off all debt using the debt snowball
3 to 6 months of expenses in savings
Invest 15% of household income into pre-tax retirement accounts
College funding for children
Pay off home early
Build wealth and give!
Make smarter choices with money by understanding how you spend it.
Expect excellent service from these businesses Dave recommends.
Get expert advice on retirement and building wealth.
Find an expert real estate agent to help you buy or sell a home.
Get affordable auto, home or long-term care insurance.
Find affordable health insurance coverage such as HSAs and PPOs.
Get professional help for your personal and business taxes.
Zander has helped Dave's listeners find the best rates for 10 years.
Dave fans trust Churchill Mortgage with their lending needs.
Get online wills, powers of attorney and real estate contracts.
Save money and time while shopping for groceries!
Protect your family and monitor their computer activity.