BABY STEPS TRACKER
Track your progress through Dave Ramsey's 7 Baby Steps — your proven path to financial peace.
$1,000 Starter Emergency Fund
This is your safety net — a buffer between you and life. It keeps small emergencies from becoming debt.
Pay Off All Debt (Debt Snowball)
List your debts smallest to largest. Pay minimums on everything except the smallest, and attack it with every extra dollar.
3–6 Months of Expenses Saved
This covers 3–6 months of living expenses. Keeps job loss, medical bills, or major repairs from wrecking your progress.
Invest 15% for Retirement
Start with your 401(k) up to the employer match, then max a Roth IRA. Invest the remainder in your 401(k) to hit 15%.
Save for Kids' College
Use Education Savings Accounts (ESAs) and 529s. Start with $2,000/year per child in an ESA, then supplement with a 529.
Pay Off Your Home Early
Put all extra money toward your mortgage principal. Even small extra payments dramatically reduce your payoff timeline.
Build Wealth & Give Generously
Keep investing, grow your wealth, and give generously. This is the reward for all the hard work — true financial peace.
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