Children are a blessing. Even when they test you (looking at you, teenagers and “threenagers”), you wouldn’t trade them for anything. You know what else kids are? Expensive. From buying thousands of diapers to saving for college, it all adds up. And fast. Even Uncle Sam knows how expensive raising kids…
Sick and tired of your student loans? You’re not alone. Student loan payments are the worst. Period. They’re annoying at best and totally defeating at worst, robbing you of your peace and your future. And most people feel stuck paying off their loans for literal decades . . . or…
As we kick off the new year, a lot of folks are on edge about the economy and their personal finances. According to Ramsey Solutions’ State of Personal Finance study, only about half the country feels happy about their money. The other half either worries daily about their personal finances or…
There might come a time in your life—after a promotion or big pay raise—when you find yourself in a pickle: you earn too much money. Yep, the IRS is that helpful—they actually set income limits for contributions to Roth IRAs. But a big paycheck is a great problem to have.…
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Are you ready for the greatest wealth transfer in history? Ready or not, it’s already happening! It’s estimated that $70 trillion worth of assets will pass down from older to younger generations over the next two decades.1 That is a lot of money—and some of it might be…
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In her half-century on earth, Torry Holmesly has been subjected to neglect, violence, eviction and homelessness. So, if you ask her about what…
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If you’re ready to start building wealth for retirement, you have more options today than ever before—but not all of them are good. On the one hand, you have risky get-rich-quick schemes that promise dazzling returns only to fizzle faster than you can say “Enron” or “Dogecoin.” On the other…
For people with a relatively simple tax situation, using the right online tax software can make a world of difference when it comes to getting your taxes filed—without suffering too many headaches. Tax software has been around since the 1980s, and today it’s the go-to choice for millions of Americans.…
If you feel like your grocery bill has gone up lately, you aren’t alone. Our research shows 58% of Americans are spending more on groceries this year over last year. It’s so true. Food prices have jumped 2.6% this past year.1 And they were already high before that! That can take a…
If you’re facing a foreclosure, know this: You will get through it. Yes, it can be a long and hard road. But there is hope. We’re here to walk you through what happens during the foreclosure process, so you know what to expect—and so you can take steps to avoid…
We’ve got good news, folks: After a few years of mortgage interest rates constantly climbing and reaching highs we hadn’t seen in decades, rates have finally started coming back down! Yeah, that’s definitely a reason to celebrate. It’s also a reason to talk about something that could wind up saving you a whole lot…
If you’ve been laid off, or if you’re worried your company is about to cut jobs, you’re not alone. Over the last few years, lots of companies large and small have made cuts to their staff. But don’t worry—you don’t have to be caught off guard. Here are some practical…
Kids don’t have to wait until they’re 16 to start making money. Whether they’re 5 years old or 12 years old, kids of all ages can earn real cash right now! It just takes some effort and a little imagination. Whether it’s helping around the house, pitching in for a…
You’ve probably heard of Murphy’s Law, right? It says that anything that can go wrong will go wrong. If Murphy has set up camp in your spare bedroom and you’re not sure how you’re going to cover those emergency expenses or pay down your debt, we get it—it can be…
Wondering just how much debt the average American has? We’ve got you covered! We’re going to look at the average American debt and break it down by age and different types of debt, like student loans, mortgages and credit cards. These numbers may make it look like everyone is drowning…
It’s weird to look back over 20 years and see how much has changed in your world. For me, it’s things like, The Dave Ramsey Show is now The Ramsey Show. I’m no longer the only host—I co-host the show with the Ramsey Personalities. My company had fewer than 200…
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