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Dave Ramsey Baby Steps PDF Download Form

Dave Ramsey Baby Steps PDF Download Form

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[Music] so george 30 years ago when i started teaching this stuff i was first teaching people how to get out of debt live on a budget be generous live on less than you make so you have a plan you avoid debt you save money for emergencies and later for investing and all of those principles work but people kept saying which one do i do first and so i started laying out well you should do this first and that first you should have an emergency fund before you start your 401k and uh then i figured out it's easier to have an emergency fund if you don't have any payments and so you need to get out of debt first because of course i learned my lesson the hard way going bankrupt and getting out of debt and learning how important it was to be debt free as a process as a part of building wealth so all of that started to formulate after a few years of teaching in various settings and what became financial peace university it used to be called life after debt and it started becoming what we now cal

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