Dave Ramsey’s Baby Steps explained by a Dave Ramsey Trained Coach

By Steve Stewart
June 6, 2026

Dave Ramsey’s Baby Steps have helped millions of people organize their finances and begin to pay attention – not interest!

My wife and I began following Dave Ramsey’s Baby Steps in late 2005, In 13 months we paid off $15,000 in consumer debt and paid off our house by 2015.

Testimony: What I like most about the Baby Steps is that they work for 99 percent of Americans. Some would argue Dave’s process for paying off debts isn’t as efficient as others or that his basic investment advice isn’t accurate.

All I can say this: In ten years my wife and I turned a $70,000 negative net worth into a million dollars of liquid assets and a paid-for house.

Your results may vary, but if you’d like to know more about Dave Ramsey’s Baby Steps then listen:

Read “The First Step: $1,000 in the Bank“

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Written By

Steve Stewart

https://SteveStewart.me

Hello. My name is Steve Stewart and I HATE YOUR DEBT MORE THAN YOU. I believe everyone should be rich so they can help others in times of need. Life is too short to be this broke! Let's work together on designing a plan for your house of financial freedom.

I may not be creating personal finance content anymore, but I'm still here to encourage you and maybe even answer a question or two about your money. Don't hesitate to reach out!

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