Step 5

Here’s What You Need to Do to Get Started

Millions have done it. You can too! We’ll be with you every step of the way.

1. Stop borrowing money.

It’s possible to enjoy a life free from debt. If you’ve made the decision to stop digging yourself deeper into money trouble, you can consider this step done.

Debt Free Fans

2. Get on the right budget.

EveryDollar Budgeting App

Our free budget app teaches you how to create a monthly budget that works. It only takes 10 minutes to set up and lets you track your spending from anywhere! 

3. Choose how you want to learn the Baby Steps.

There are two great ways to learn the 7 Baby Steps. Pick up a copy of The Total Money Makeover, Dave’s all-time best-selling book, or go all in with Financial Peace University (FPU), our class that will teach you how to never worry about money again. 


The Total Money Makeover

This is your guide for how to live out the Baby Steps. With more than 5 million copies sold, this book has spent years on the New York Times best-seller list for good reason. 


Financial Peace University

Our #1 class is the best way to learn how to get rid of debt and build wealth for the future. This is Dave Ramsey’s proven program that walks you through the Baby Steps. In nine lessons, you’ll learn how to budget right, save for emergencies, and kick debt out of your life for good. Plus, you’ll have access to additional tools and resources, including financial coaches. Experience it in a class near you or take it at home. More than 5 million people have changed their lives with FPU. Now it’s your turn!

Watch the First FPU Lesson!

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