Dave Ramsey’s 7 Baby Steps:

Step 1: $1,000 starter emergency fund.

Step 2: Pay off all debts smallest to largest with the debt snowball. (Excludes Home)

Step 3: Fully fund your emergency fund to cover three to six months of expenses.

Step 4: Invest 15% of pretax income into retirement savings & Roth IRAs.

Step 5: College Funding

Step 6: Pay off your home!

Step 7: Build wealth and give!

*Remember: “A journey of a thousand miles begins with a single step.”

Lao-tzu, Chinese philosopher (604 BC – 531 BC)