What is the best Dave Ramsey book to start with?

The best place to begin is The Total Money Makeover, which explains the Baby Steps clearly.

Is Dave Ramsey’s advice still relevant in 2025?

Absolutely. His principles around budgeting, paying off debt, saving wisely, and investing consistently are timeless. The strategies in his books continue to work for families and individuals who want to take control of their financial futures.

Do the Baby Steps really work?

Yes—millions of people have used Ramsey’s steps to pay off debt, build wealth, and gain financial stability. Real-world examples prove that following these steps leads to financial freedom.

Can I follow Ramsey’s plan if I use credit cards responsibly?

Ramsey recommends avoiding credit cards entirely to eliminate the risk of falling into debt. His philosophy is that if you don’t borrow, you won’t owe.

What are the Baby Steps in Dave Ramsey’s system?

The Baby Steps are a series of seven steps created by Dave Ramsey to help individuals pay off debt, save money, and build wealth over time. They include things like building an emergency fund, paying off debt, saving for retirement, and giving generously.