Getting out of debt will not happen overnight; it takes time. Here are the Baby Steps that will get you started:

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$1,000 In An Emergency Fund

Pay Off All Debt With The Debt Snowball

3 To 6 Months Expenses In Savings

Invest 15% Of Income Into Roth IRAs And Pre-Tax Retirement Plans

College Funding

Pay Off Your Home Early

Build Wealth And Give!

888.22.PEACE • daveramsey.com

D AV E R A M S E Y ’ S SEVEN BABY STEPS