The Seven Baby Steps

Begin your journey to financial peace

New to Dave? Learn about Dave and his company.
Get out of debt the same way you learned to walk—one step at a time. Dave has taught these principles to millions via radio, books, Financial Peace University, live events and online.
Four quick ways to get started on Dave's Plan:
The Total Money Makeover Book - Dave's NY Times bestseller
Dave's Starter Pack - Two best-selling books, two DVD lessons and a starter envelope system
Online Tools - Budgeting, commercial-free mp3s, and more! Free 7-day trial to MyTotalMoneyMakeover.com.
The Getting Started Guide - A 7-part email series (one each day) on how to get a running start into Dave's plan.
Here's the process:

Baby Step 1

$1,000 to start an Emergency Fund

An emergency fund is for those unexpected events in life that you can’t plan for: the loss of a job, an unexpected pregnancy, a faulty car transmission, and the list goes on and on. It’s not a matter of if these events will happen; it’s simply a matter of when they will happen. Learn more

Baby Step 2

Pay off all debt using the Debt Snowball

List your debts, excluding the house, in order. The smallest balance should be your number one priority. Don’t worry about interest rates unless two debts have similar payoffs. If that’s the case, then list the higher interest rate debt first. Learn more