Dave Ramsey
Taking control of your personal finances requires behavioral changes rather than complex math. You can achieve lasting financial peace by eliminating debt, budgeting intentionally, and saving for the future.
A zero-based budget ensures every dollar of your income is assigned a specific purpose before the month begins.
The debt snowball method builds motivation by paying off the smallest balances first while maintaining minimum payments on larger debts.
Building a fully funded emergency reserve of three to six months of living expenses protects you from unexpected financial crises.