r/DaveRamsey

Welcome to ! This subreddit is here to encourage, admonish, and inform you and others on the journey to debt freedom and financial peace. Members of our community span all the Baby Steps and have the head knowledge and behavioral tips to get to the next step.

Read the list first. Basic questions or topics that come up repetitively are subject to moderation action.

Next, familiarize yourself with the rules, the Baby Steps, and other information in the sidebar.

A little direct tough love is sometimes in order. Be kind. Be respectful. So-called Dave-ish answers are okay as long as you preface it with Dave’s recommendation. Respect our message: plenty of other subreddits welcome pumping credit card rewards, teaser rates, airline miles, or borrowing money in general. If it’s not a 15-year fixed-rate mortgage whose total payment is no more than a quarter of your monthly takehome pay, please take the “normal” debt mindset elsewhere.

If you don’t have something positive to contribute, then be constructive. Save the negativity for the weekly Whiny Wednesday thread. Help make this community a useful, friendly resource for people to get out of debt, stay out of debt, and live like no one else!

As most of you are aware, we have specific sub rules. If you’ve had more than 1 day on reddit, you would know that each sub has sets of rules that you must follow. It’s not that hard to follow rules as most of you here are probably functioning adults (in some capacity). Maybe you aren’t judging by the PMs we receive when we ban people.

Here at DR; the main concept is the Dave Ramsey Baby Steps. Shocking, I know. The plan is extremely simple and well written about on Google, this sub, YouTube, etc. however, there are other financial gurus and various ideas that are not DRs. If you come to ask advice on THIS sub, the first thing you should be reading is the advice that DR would give you. We welcome any and all other advice as long as DRs advice is first. This doesn’t mean start sentences with “DR is a dipshit so I use a credit card even though he doesn’t”. Nope, that’s just going to get you banned.

Please read the rules of the sub and follow them. If you have any questions - you can PM us or ask here. If you don’t want to follow the rules or think that you are smarter than DR, please move on to the 100s of other subs out there. Good luck.