The 7 Baby Steps Explained (Top Criticisms Addressed)

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[USMC]

Baby Step 1 has another side benefit Dave isn't telling us. It makes you learn to NOT SPEND money you have. Just think of the discipline you have to exercise not to spend that $1, 000 when you are use to buying everything on credit so you could have it NOW.

[clientornaka]

Got laid off a few weeks back. That 1k emergency fund saved my ass.

[Nominals]

BS7 here. Been on Ramsey's plan for 5 years now. This program along with reconnecting with God has brought a life more peaceful than I could've imagined. Thank the Lord.

[dakotagoldwood]

Baby step 6 here! My wife and I are 28 currently and will have our house paid off in just over a year, making us baby step 7 by age 30 with a paid for home. This plan has changed our lives and it truly works.

[annahopp]

Baby step seven here. This stuff works for any idiot. Guaranteed. I am one of the idiots.

[ComfortB-ut]

The BIGGEST LIE You've Been Told About Money is that it doesn't grow on TREES!! 😆

[timbenzel]

Just picked up a second job to tackle my 9k in debt .

[heavyd]

I cannot tell you the relief of being out of debt. The emotional and spiritual relief completely eclipses the feeling of buying more stuff. I've been in some sort of debt since I was 19, now I'm 61.
It took me 5 years to get to baby step 7, but now I'm here and I can't believe it!!!
You can do this!!!

[ShawnieJayy]

Starting BS1, beat cancer, went back to work. Thank goodness I don’t have much debt but I’m so glad I found this!

[HectorSnipes]

Building wealth involves developing good habits like regularly saving for solid investments. Instead of predicting market changes, focus on having a well-prepared portfolio. This strategy has helped some people average $150K every seven weeks over the past four months, according to Bloomberg.

[_Renee]

“I can write a check and buy the complex.” Is the wealth I am pursuing.

[dortheklaus]

Found you in 2019 as a1 single mom of two. You gave me hope and a plan.Thank you so much!!! Today at 49 at BS 4, 5, 6 and able to pay huge repairing costs for the house cash. My girls are mucv better with money than I was at their age. You changed my live, Dave thanks to your BSs. Greeting and lots of love ❤🇩🇪❤

[courtneyredfern]

57, divorced mom of 2 living happily in step 7. FREEDOM!

[kellytoycow]

Baby Step 7 here. We work because we want to, not because we have to. It’s so much more enjoyable to pick and choose when and where we work.

[SahroAbdirahman-debr]

I got divorced and had a baby at the same time, I trashed my credit due to postpartum issues, therefore I’m in massive debt. I plan to get back on track in a year, and if it takes me longer I’ll let you know.

Baby step #1 done!

[republicunited]

My 82 year old dad lives this way. Still today, no credit cards, live minimal, etc. He came from a poor Appalachian coal mining and farmer family. I today, at age 50, still live by his rules/teachings. Thank you Dad.

[Veganisbadhunter-wxnt]

Got to baby step 7 at age 52. I retired at age 55 in 2022. I encourage all of you to give it a go.

[rachelesmith]

Wow! I’m so impressed with how well Dave Ramsey speaks and just how grounded and reasonable he is. I never understood any of the Dave critics tbh. He’s not selling snake oil or shortcuts. He embraces the hard work and has actually been there himself.

[ONLYKUDWE]

I am 100% on board with the plan. Working Baby Step 2 at the moment.

[musiquefrique]

Wish I’d found this 20 years ago- but I’m here now at step 3- and it’s exciting !!!