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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

Great ways to get started with Dave

Learn more about money

Beat debt and build wealth with these free resources.

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Make smarter choices with money by understanding how you spend it.

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  • EveryDollar

    Tell your money where to go instead of wondering where it went. Start winning with money!

  • Getting Started Guide

    Free email series on getting started with Dave's plan.

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