Baby Step One
Save $1,000 in a starter emergency fund.*
Baby Step Two
Pay off all consumer debt, except the mortgage, as fast as possible using the debt snowball method.*
Baby Step Three
Save enough to cover 3-6 months of expenses in a fully funded emergency fund.*
Baby Step Four
Invest 15% of your income in retirement.*
Baby Step Five
Save for your children’s college.*
Baby Step Six
Pay off your home early or save up a 20% down payment for a home.*
Baby Step Seven
Build wealth and give.*
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*Ramsey, Dave (n.d.). The Seven Baby Steps. Ramsey Solutions. https://www.ramseysolutions.com/dave-ramsey-7-baby-steps?srsltid=AfmBOoqjEMR17y6kfJl_X8ZEbSAZ_IavBZwp5PhFYrUDnTWt73eFKQrO