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Ramsey+ is home to the best money tools and courses—like Financial Peace University and EveryDollar—to help you get out of debt and save money faster. One tool that has gained popularity in recent years is voice. Dave Ramsey’s 7 Baby Steps is a money management plan designed to help you get out of debt, save money and build wealth. Dave’s eight national bestselling books include The Total Money Makeover, Baby Steps Millionaires, and EntreLeadership. No more mortgage payments means more margin in your budget. In today’s fast-paced world, convenience is key. Baby Step 2: Pay off all debt (except the house) using the debt snowball. Amount per month: $2,120; Percentage of total expenditures: 32. Motivated by his father, he became an entrepreneur when he was in school. Founded by Dave Ramsey—bestselling author and host of the nation’s second largest syndicated talk radio show, The Ramsey Show— Ramsey Solutions exists for one reason: to give you HOPE. 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