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

step

step

step

step

step

step

step

:

:

:

:

:

$1,000 In An Emergency Fund

Pay O� 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 O� Your Home Early

Build Wealth And Give!

888.22.PEACE • daveramsey.com

1

2

3

4

7

6

5

:

:

DAVE RAMSEY’SSEVEN BABY STEPS

888.22.PEACE daveramsey.com