I’ve been listening to Dave Ramsey’s radio show recently and have to say, I’m hooked. Sure, he’s been broadcasting since 1992, but why would I have listened then since I didn’t care about finances when I was a kid?
I know this isn’t about time tracking, but bear with me. Hours are money if you work for a living (and, who doesn’t?).
Listening to his show reminds me of talks I had with my mom when I was younger. We’d talk about everything under the sun, including financial topics. Dave Ramsey really teaches how to get out of debt, save for retirement, and pay off your house.
He has a thing he calls “Baby Steps,” and here’s the process:
Baby Step 1: $1,000 to start an Emergency Fund
Baby Step 2: Pay off all debt using the Debt Snowball
Baby Step 3: 3 to 6 months of expenses in savings
Baby Step 4: Invest 15% of household income into Roth IRAs and pre-tax retirement
Baby Step 5: College funding for children
Baby Step 6: Pay off home early
Baby Step 7: Build wealth and give!
Anyways, I wanted to share since this guy has some really terrific things to say about financial planning, and I’ve been watching it a lot recently.
One of my favorite quotes, which is almost his slogan is: “If you will live like no one else, later you can live like no one else.” ― Dave Ramsey




James Dyson created thousands of prototype vacuums over 15 years before he was satisfied with his product. In an aptly named article titled
Make no little plans. They have no magic to stir men’s blood and probably themselves will not be realized. Make big plans; aim high in hope and work, remembering that a noble, logical diagram once recorded will never die, but long after we are gone will be a living thing, asserting itself with ever-growing insistency. Remember that our sons and grandsons are going to do things that would stagger us. Let your watchword be order and your beacon beauty. Think big.