debt

The Equipment You Need for Your Debt-Free Journey

6 Minute Read

If you’re just starting out on your journey to financial peace, you’re probably looking for the tools to equip you as you take that first step. We know it can seem overwhelming coming out of the gate, but just take it one baby step at a time.

And when we say baby step, we really mean it.

What Are the Seven Baby Steps?

The Seven Baby Steps are a way you can visualize the progress you’re making in your journey. You might be starting out with zero savings and a pile of debt (Baby Step 1), or maybe you have no debt to your name and are ready to start saving for retirement (Baby Step 4). Wherever you are, the Seven Baby Steps are the blueprint you need to help you take control of your money.

Baby Step 1: Save $1,000 in a Beginner Emergency Fund
Baby Step 2: Get Out of Debt Using the Debt Snowball
Baby Step 3: Fully Funded Emergency Fund of 3 to 6 Months of Expenses
Baby Step 4: Save 15% of Your Income for Retirement
Baby Step 5: Save for Your Children’s College
Baby Step 6: Pay Off the Home
Baby Step 7: Build Wealth and Give

What Is the Baby Steps Bundle?

We created the Baby Steps Bundle for the person who wants to get started on their journey to take control of their money, but doesn’t quite know where to begin. These are foundational pieces—every item was selected to help see you through as you take the first baby steps of this journey. And when you start applying these principles to your life, you’ll start seeing real change. Trust us, they work! Here’s what you’ll get:

The money course that will change your life!

Get Started

The Total Money Makeover

Long before The Dave Ramsey Show joined talk radio airwaves, Dave was counseling people with his tried-and-true money principles. Seeing the need for a relatable and proven plan for getting your money in shape, he wrote The Total Money Makeover. The book skyrocketed to #1 on The New York Times best-seller list in its first week, and has continued to spend more than 200 weeks on their list.

In The Total Money Makeover, Dave breaks down his Seven Baby Steps and walks you through each stage of the journey. He always shoots straight with his advice on the radio, and you’ll find that same tone as you read through The Total Money Makeover.

Dave has no problem telling it like it is because he’s been there too. Whether you’re trying to save money for retirement, invest, or find a plan to pay off debt that actually worksthis is the guide you need.

Love Your Life, Not Theirs (audiobook)

It’s easy to look at someone else’s life and wish it was your life. This idea of keeping up with the Joneses is nothing new, but lately it’s grown even worse in our culture (thanks, social media). In Love Your Life, Not Theirs, #1 New York Times best-selling author Rachel Cruze addresses the issue directly by giving you seven habits to embrace so you can live the life you want.

"When you get caught up in social media comparisons, you’re comparing yourself to make-believe," Rachel says. "And when you compare yourself to make-believe, your real life will never feel good enough."

Love Your Life, Not Theirs will show you how to put your time and energy into living the life you want.

Retire Inspired (audiobook)

Retirement might sound like a far-off dream, but it will be here sooner than you think. And the time to begin saving for your future is today.

Some people think Social Security is going to fully fund their retirement, but according to the Social Security Administration, it’s only meant to replace about 40% of your paycheck.(1)

If you’re relying on Social Security to have your back in retirement, you need to rethink your plan of action. Ramsey Personality Chris Hogan walks you through his steps in his national best seller, Retire Inspired: It’s Not an Age; It’s a Financial Number.

The EveryDollar Guide to Budgeting + EveryDollar Plus (one month subscription)

If you’re really trying to take control of your money, you need a budget. It’s the key to your financial success! Making a budget is basically just making a plan for your money. It means you’re spending with purpose before the month even begins.

Many people view a budget as a straitjacket that will keep them from doing what they want. But that couldn’t be further from the truth! A budget doesn’t limit your freedom, it gives you the freedom to spend. It’s all about being intentional with where your money goes.

The quickest way you can create a budget is by using our free budgeting tool EveryDollar. You can map out next month’s budget in as little as 10 minutes! Sure, we might be a little biased, but we think it’s the best budgeting app on the market.

It’s even easier to manage your budget using EveryDollar Plus, our premium version, which connects to your bank account so you’ll never miss another transaction.

You’ll get to try out EveryDollar Plus for a month as part of the Baby Steps Bundle, plus you’ll get our guide to budgeting with even more practical budgeting advice you can start applying immediately.

The Envelope System Starter Kit

Using the envelope system is a great way to help you stay in control of your budget! With this system, you use cash to pay for different categories of your budget, and you keep that cash tucked away in envelopes provided in this starter kit. You can see exactly how much money you have left in a budget category just by taking a quick peek in your envelope.

It’s a good idea to use the envelope system for budget categories you tend to overspend on. Think of things like groceries, restaurants, entertainment and clothing. The Envelope System Starter Kit gives you the opportunity to try out this simple way to manage your money and stop overspending!

Start Here, Start Today

The Baby Steps Bundle has a little something for everyone, no matter what stage of the game you’re in. If you’re new to Dave’s plan for your money, this is the bundle for you!

Start taking control of your money today! Reach your goals this year and start changing your future with Dave’s Baby Steps Bundle to help you take that first step!

More from the Blog

Save $1,000 for Christmas

Start Now

You Can Take Control of Your Money!

Learn More

You Can Take Control of Your Money!

Financial Peace University can teach you how to never worry about your money again.

Financial Peace University can teach you how.

Learn More

Thank You!

You will receive an email shortly at .

Next: Start Your Year Off Right!