Ramsey's debt snowball targets smallest balances first, using psychological wins to build momentum through a multi-year payoff process.
Ramsey recommends saving 15% of gross income in a Roth 401(k), capturing any employer match first, with 2026 contribution limits reaching $24,500.
In 2025, 79% of active large-cap managers underperformed the S&P 500, making low-cost index funds a compelling alternative to actively managed mutual funds.
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Dave Ramsey's enthusiasm for personal finance is genuinely contagious. Say what you want about the man, but he has strong opinions about what individuals should and should not do in a wide range of financial situations, and he is not shy about sharing them.