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7 Baby Steps

Learn the 7 Baby Steps.

After you stop borrowing more money and you’re budgeting the right way, you’re ready to start walking through Dave Ramsey’s 7 Baby Steps. This is the clear path for paying off debt and saving for emergencies and for your future.

Order matters. Doing the right things in the wrong order won’t get you where you want to be. The Baby Steps are all about priorities. They’ll show you what you need to tackle first. Millions of people just like you have followed these steps and taken control of their money. You can too. Get the tools to walk through the Baby Steps on the next page.

+What are the 7 Baby Steps?

Baby Step 1: Save $1,000 for your starter emergency fund
Baby Step 2: Pay off all debt (except the house) using the debt snowball
Baby Step 3: Save 3-6 months of expenses in a fully funded emergency fund
Baby Step 4: Invest 15% of your household income in retirement
Baby Step 5: Save for your children’s college fund
Baby Step 6: Pay off your home early
Baby Step 7: Build wealth and give