The Best Dave Ramsey Tips Step-by-Step 7 Baby Steps Take care of the "4 walls first" Make zero-based budget Use Cash Save $1000 before paying off debt Pay off all consumer debt using debt snowball Save 3-6 months of expenses Go to work when in debt Invest 15% into retirement Sell Sell Sell Save kids college fund Live like no-one else so, later you can live like no-one else Pay Off Mortgage Early Only take out a 15 yr mortgage Give generously Use sinking funds Act your wage Stop using debt Do not buy new cars Cut up your credit cards NOTES ____________________________________ ____________________________________ ____________________________________ ____________________________________ ____________________________________ ____________________________________ ____________________________________ ____________________________________ ____________________________________ ____________________________________ Copyright 2019 Budgets Made Easy