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Dave Ramsey
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daveramsey@www.daveramsey.com
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We believe our work matters. Why? Because our work is about you. So whether you’re up to your eyeballs in debt, praying for a miracle, wanting to take your small business to the next level, or spending your days in a dead-end J-O-B—there’s hope. No matter what it is you’re working through, we’ve got a solution. It's time to face the storms of life head on. We can do this . . . together.

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daveramsey@www.daveramsey.com
(888) 227-3223
Franklin, TN
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128 Posts
Ever heard of a DIY will kit? Or a simple will template?
If you’ve been putting off making a will because you don’t know how to, keep reading. It’s time to think specifically about your belongings, savings and estate. Decide what to include in your will. Choose an executor for your will. The executor is the person you appoint to make sure your wishes are carried out. You could leave an equal percentage or set dollar amount to each of your children. You can also decide to leave a chunk to each. You may decide to left a chunk. The will does not cancel out. It... more
Ever heard of a DIY will kit? Or a simple will template?
ETF vs. Mutual Fund: What’s the Difference?
So if a mutual fund is full of stocks, it's called a stock mutual fund. Who manages the fund? In most cases, mutual funds are actively managed by a team of investment professionals that selects the mix of investments to include in the fund. ETFs vs. Mutual Funds: How Are They Different? So, what sets these two investment types apart? Their differences are critical to figuring out whether mutual funds or ETFs are right for you. ETFs vs. Mutual Funds: How Are They Similar? Despite all those differences, mutual... more
ETF vs. Mutual Fund: What’s the Difference?
The State Of Personal Finance In America 2022
The latest edition of The State of Personal Finance 2022 focuses on the upcoming Christmas shopping season to frame the larger story of Americans’ steadily growing anxiety about money. The updated personal finance statistics also compare how today’s economic climate is affecting different generations’ mental health. One in five Americans have fallen deeper into debt since June of 2022 and only 24% said they reduced their debt. The Great Resignation was still hanging over the job market. Despite the rise... more
The State Of Personal Finance In America 2022
What You Need to Know About Data Breaches
What Is a Data Breach? A data breach is a security incident where personal and confidential information is stolen by another individual. If the company or organization discovers an unauthorized individual has viewed that information, they've had a data breach. Data Breach vs. Data Leak So, we've mentioned a data breach, but what is a data leak, you ask? Is there a difference? Yep. How Is a Data Breach Different From Identity Theft? Identity theft involves someone actually using your private information-usually... more
What You Need to Know About Data Breaches
How to Avoid Costly Mistakes When the Market Is Down
In the midst of a market dip, it's easy to get caught up in waves of emotion. Fear and worry can lead to panic, which could cause you to make serious and costly mistakes. To be a successful investor, it’s important to know how to deal with the emotional side of investing. Don’t make a mistake that millions of investors make whenever the market starts draining their retirement account.
How to Avoid Costly Mistakes When the Market Is Down
Christmas Gifts for Kids: How Much Is Too Much?
Americans spent $789.4 billion on Christmas last year. To enjoy the gift-giving season without any guilt-ridden overspending, you’ve got to set up a Christmas budget, save up the money in your Christmas fund. If you earn $3,000 a month, you want every dollar you spend, save, give or invest. That way you know where every one of your hard-earned dollars is going. This year, the average American plans will go. You can still use zero-based budgeting. It’s just as easy. To make a zero- based budget. It might... more
Christmas Gifts for Kids: How Much Is Too Much?
Buying or Selling a Home in Winter: What You Need to Know
For perspective, 230,000 homes for sale dropped off the market from November to December in 2021-the steepest drop all year!3 If that pattern repeats this year, you'll have around 21% less competition on the market if you list your home during the winter! Buyers have fewer homes to choose from, which means you could sell your house faster. Getting Tax Breaks Before Year-End Winter home buyers may also be motivated to capture the tax benefits of buying a home before year-end. If you're selling your home and buying... more
Buying or Selling a Home in Winter: What You Need to Know
Travel Hacks That Will Save You Money
If you've got the travel bug and you're gearing up for a trip, I've gathered up my best travel hacks for you to make the most of your next adventure. You'll learn how to travel smarter, travel cheaper, and make long flights more enjoyable. Start budgeting with EveryDollar today! Here are some of my favorite sites and apps to help you find a great deal on airfare: Skyscanner Google Flights Scott's Cheap Flights Next Vacay Hopper Don't miss out on the great deals that can be found online and in travel apps. Travel... more
Travel Hacks That Will Save You Money
First-Time Home Buyer’s Complete Guide
If you're buying a home and you've never bought a home before, that makes you a first-time home buyer, right? Yes, that's true, but the U.S. Department of Housing and Urban Development also has five first-time home-buyer loan requirements that could make you eligible even if you've already owned a home. The truth is if you can't afford to buy a home with a conventional, fixed-rate mortgage, then you can't afford to buy a home right now. Buying Process for First-Time Home Buyers Whether you're buying a home for... more
First-Time Home Buyer’s Complete Guide
10 Frightening Retirement Statistics That Should Scare You Into Action
10 Scary Retirement Statistics Keeping with the theme of frightening things, we're giving you the 10 scariest retirement statistics that'll leave you sleeping with the light on. How much will you need for retirement? Find out with this free tool! To be honest, we're more worried about the half of Americans who don't lose sleep thinking about their retirement. Over half of Americans feel behind on retirement saving. Even though retirement is a top goal in America, Ramsey found that 56% of folks feel behind on... more
10 Frightening Retirement Statistics That Should Scare You Into Action
The Top Questions About Christian Healthcare Ministries
Any Christian can join at any time and help share medical costs by simply doing two things: Agreeing to the CHM statement of faith, and Making a pre-set monthly gift to CHM, determined by the level of participation you choose. Simple enough, right? Now when it comes to cost sharing, CHM puts preexisting conditions into two basic categories, active and maintained. If the condition should ever recur, you'll be eligible to share the cost of treatment with other members in CHM, as long as you can show the proof... more
The Top Questions About Christian Healthcare Ministries
What Is a Tax Deduction and How Does It Work?
You don't want to be that guy or gal, because it could mean you're leaving a good chunk of money in the hands of the IRS without even knowing it! What Is a Tax Deduction? When you hear the word deduction, just think subtraction. What's the Difference Between a Tax Deduction and a Tax Credit? While tax deductions lower your taxable income, tax credits cut your taxes dollar for dollar. If you get a $1,000 tax deduction and you're in the 22% tax bracket, that deduction reduces your taxable income and saves you... more
What Is a Tax Deduction and How Does It Work?
2022 and 2023 Federal Income Tax Brackets and Tax Rates
Tax brackets and tax rates rise and fall depending on the year and current tax law. A tax bracket is a range of income taxed at a specific rate. The 2022 federal income tax rates are the same for income earners as they were in 2021 —ranging from 10% to 37%. The 2023 federal tax rates won’t change either. The 20th federal income taxes won”t change both. For more information, please click here. Click here to see what you can expect to find out.
2022 and 2023 Federal Income Tax Brackets and Tax Rates
Itemized vs. Standard Tax Deductions: Pros and Cons
The new standard deduction lowers taxable income by much more than itemized deductions. About 87% of taxpayers now use the standard deduction instead of itemizing. If you aren’t planning to itemize, go ahead and plug the numbers into your tax-filing software or check with a tax pro to see which scenario will save you most money. The main difference between a standard deduction and an itemized dismissing and an Itemized deduction is that a standard deductible is a set amount. For every dollar you deduct from... more
Itemized vs. Standard Tax Deductions: Pros and Cons
What Is Taxable Income?
If your income falls under any of the categories below, you have to report it on your federal tax return. You must report anything you win from gambling or betting, even prizes you win on a game show or in a contest. The IRS considers all of the following to be taxable income. Long-term capital gains are separate and taxed at a capital gains rate. But long-termCapital gains are different and taxed. The tax rates are different. For example, the tax rate is typically lower and taxed to the same rate. If you bought... more
What Is Taxable Income?
What Are Income Taxes?
The U.S. tax system is just fancy tax talk that means the higher your taxable income. In 2020, the IRS collected more than $1.8 trillion in individual income taxes and another $263.6 billion in income taxes from businesses. The tax is used to fund a whole smorgasbord of public services, including military spending and education to transportation and medical research. If it's not, it’s a good place to get a good. If there is a good way to get your tax bill, it's a good spot to get it. If you don’t, it would... more
What Are Income Taxes?
What Is the Pell Grant?
What Is the Pell Grant? Think of a Pell Grant like a free check from the government to help pay for college. Pell Grant Eligibility How do you know if you're eligible or meet the Pell Grant requirements in the first place? Well, to qualify, you have to be a U.S. citizen and planning to enroll as an undergraduate. Funding for Pell Grants doesn't run out, but you need to know how much money you qualify for so you can budget and plan accordingly before the school year rolls around. How to Apply for and Accept the... more
What Is the Pell Grant?
15 Ways to Achieve Financial Freedom
What Is Financial Freedom? Financial freedom means you get to make life decisions without being overly stressed about the financial fallout of those decisions. How to Achieve Financial Freedom The path to financial freedom isn't a get-rich-quick strategy. Set Financial Goals Everybody dreams about achieving financial freedom. That's why setting financial goals-like getting out of debt or saving up for retirement-is so important on your journey to financial freedom. Save Money for Emergencies If your goal is... more
15 Ways to Achieve Financial Freedom
How to Choose a Financial Advisor
A good financial advisor is a qualified professional who will help you understand, track and balance your retirement savings, college savings and other investment goals. A good advisor talks down to you and simply expects you to go along with. A great advisor uses their knowledge to teach you and treats you like a partner. Know the cost of a financial advisor. A good adviser or insurance agent can make sure you have a long-term plan for these expenses. A wealth manager is a good advisor. It’s not easy. There... more
How to Choose a Financial Advisor
How to Buy Land
The three most important things in real estate are location, location and location. Check with your city, county and state zoning ordinances to see if it’s even possible to build a home on the land you’re looking. If you buy property in the wetlands, you'll have to pay for an expensive septic system. The land might not come with access to city water, electricity, cable lines or city sewage systems, which would seriously hurt its value. Don’t forget. Check the city limits.
How to Buy Land
How Does Gap Insurance Work?
GAP insurance is insurance that covers the difference between the vehicle’s actual cash value and what you still owe on the loan. Don’t let car insurance costs get you down. Download our checklist for easy ways to save on car insurance. For more about Gap insurance, we recommend reading our article about what GAP is and to learn about what it is and how to get your insurance coverage. To learn more about GAP Insurance.
How Does Gap Insurance Work?
Which U.S. Cities Have the Highest Inflation?
We're talking double-digit inflation! So, which city took the top spot for highest inflation in the U.S.? Well, rising from the ashes of our burning economy like a mythical creature was ... Phoenix, Arizona. Which U.S. Cities Have the Highest Inflation? It might surprise you that some of the nation's biggest cities are pretty far down on the list, and we'll talk about that in a little bit. Here's the list of the cities with the highest inflation, and some others with rates below the national average: Phoenix-Mesa-Scottsdale,... more
Which U.S. Cities Have the Highest Inflation?
How the CARES Act Affects Your Student Loans
President Joe Biden has extended student loan payment relief through December 31, 2022. There are about 43 million borrowers who, put together, owe almost $1.6 trillion in federal student loan debt. Under the CARES Act, all federal student loans have been automatically placed in forbearance. You won’t be charged anything on your student loans until January 2023, but you’re still able to keep paying on them. The CARes Act. Forbearance and deferment is a huge opportunity. If you don’s invented, you will... more
How the CARES Act Affects Your Student Loans
Should My Teenager Buy Their Own Car?
45% of us don't have enough saved to cover a $1,000 emergency, according to a study done by Ramsey Solutions. The best way to help your child and still avoid fairy status is to use a match system for their car savings. For every dollar your child saves for a car, you can contribute by matching that dollar. It's a good idea. If you don’t want to offer a one-for-one. You could match. It’s a bad idea.
Should My Teenager Buy Their Own Car?
How to Create a Business Budget
A business budget is a plan for how you’ll spend the money your business generates. It also helps you decide what to do with business profit, when and where to cut spending and grow revenue. You don’t have to be a numbers and spreadsheets person to build the skills you need to build a solid business budget and manage your company’s finances with confidence. You can do better than that just by using a handful of important money principles. For example: Control your cash flow. Keep your personal and business... more
How to Create a Business Budget
23 Common Tax Deductions for Small-Business Owners

We don’t have to convince you that taxes are complicated—especially for small-business owners. You know it. We know it. But not paying attention to your taxes could cost you big-time—especially if you’re not sure which small-business tax deductions you’re eligible for. And Uncle Sam doesn’t exactly give you a road map here.

Here’s what you need to know: The IRS considers anything that’s “ordinary and necessary” to running your business a tax-deductible expense.

... more
23 Common Tax Deductions for Small-Business Owners
How to File Your Taxes in 5 Simple Steps
The standard deduction for the 2021 tax year for single filers is $12,550 and $25,100 for married folks filing jointly. There are five different statuses to choose from. If you are divorced, and other times when you might qualify for more than one filing status and it’s not so clear. If you were widowed before the tax year, you may consider filing separately or another filing status. But there are some rare instances where you might consider filing separate or other filing status if it applies.
How to File Your Taxes in 5 Simple Steps
The Bitcoin and Crypto Crash: What You Need to Know
Bitcoin, the very first cryptocurrency and most popular of the bunch, hit an all-time high of almost $68,000 in November 2021.1 Crypto firms were so confident heading into the new year that they spent millions of dollars on Super Bowl ads to convince folks to hop on the crypto train. Why Is Crypto Crashing? There's no one reason for crypto's dramatic crash and burn. The biggest pieces of the crypto crash puzzle are inflation, recession fears, more regulation and government crackdowns on crypto mining, and fading... more
The Personal Loan Explained

It’s the middle of summer, and your AC suddenly goes out. You don’t have a couple thousand dollars to get it fixed, but the temperature is rising, the kids are screaming, and you’re sweating from more than just the heat. So, you race down to your local credit union and borrow the money to cover the repair. And that’s when things get personal . . . in the form of a personal loan. Personal loans are a quick way to borrow money from a bank and other financial institutions—but you have

... more
4 Questions to Evaluate Your Retirement Savings Performance
Question 2: Is my mix of funds off-balance? If your mutual funds are underperforming, it could be because your fund mix is out of whack. Our favorite combination is investing 15% of your income split evenly between four types of mutual funds: Growth funds Aggressive growth Growth and income International Let's say-instead of spreading your investments evenly-you invested half of your retirement savings budget into aggressive growth funds. If your aggressive funds dip, your boring-but reliable-growth and income... more
4 Questions to Evaluate Your Retirement Savings Performance
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