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  1. I'm ( fill in the blank) and this is 2020
  2. If I followed Dave's advice I would be broke now
  3. Need Advice on Personal Vehicle
  4. Need Advice to Get my Baby Steps in Order
  5. Some say Dave Ramsey is outdated
  6. Work remote option to get out of high rent area?
  7. 2019 Debt Reduction and money Management ( 12-21-2019)
  8. Money marriage advice
  9. DR on YT
  10. What do you do when your debt minimum payments are too much
  11. Baby step 4 questions!!
  12. Should I buy my townhome?!
  13. Moving advice
  14. Need Help Cleaning the Debt Mess
  15. Where to invest? 401K vs. Roth?
  16. FYI...Dave Ramsey
  17. interesting take on DR org.
  18. Roth Considerations
  19. "Gifted" Universal Life Insurance
  20. 12/25/18 Debt reduction/money planning thread
  21. New Challenge Thread?
  22. Emergency fund question (when owning a house already?)
  23. Car Buying Advice Needed
  24. It is unbelievable how well the everydollar budjet is working for us...anyone else?
  25. Debt free!
  26. Please advice 180 000 in unsecured debt ..any thoughts?
  27. Dave's Advice on SP500 versus managed funds
  28. Yes - another Sell the house question!
  29. Please provide advice - New House & Go back into debt
  30. Your expert advice
  31. Financial Management Tools?
  32. Should we sell our house?
  33. Sell the SUV?
  34. 12/17/17 Debt Reduction and/or Savings Challenge!
  35. advice on car financial issue
  36. Dave Ramsey investing
  37. Overwhelmed- is that normal?
  38. Need advice on car purchase and paying down debt
  39. Just contacted ELP and am unsure if I should proceed
  40. New here, and need some advice
  41. When Renting is Better
  42. I could use some advice.
  43. Car Update - THANKS DR!!!
  44. The Long Road...Need Encouragement
  45. Emergency Fund Exception?
  46. Soliciting opinions on car purchase
  47. My progress thread: cleaning up the mess
  48. This Forum/Community
  49. Debt Free Journey
  50. Hold on Baby Step 2 for Solar Panels?
  51. Its been a few years back to say We're DEBT FREE house paid off
  52. Car Insurance ELP's, anyone utilize this option?
  53. Which credit card should we tackle next?
  54. Turning 62
  55. Amount of debt to be paid off in relation to income
  56. Starting our Debt snowball
  57. Another Update
  58. Join me on our journey
  59. Medical bills question
  60. Another emergency fund question
  61. Woohoo, time to start over >.<
  62. Baby step two - personal progress tracking
  63. can someone help me out
  64. Just got started - Follow my progress
  65. Trying to do the right thing.
  66. 12/16/16 Debt reduction -savings thread
  67. Going through a nightmare 2015 financially, don't know where to turn...
  68. Looking for a Financial Coach
  69. Emergency Fund Question
  70. book club review of Dave Ramsey's The Total Money Makerover
  71. Murphy took a huge hit out of my e-fund. Back to baby step 3. :(
  72. Saving for Car
  73. Tried EveryDollar...question related to Google Sheets
  74. (Shamelessly) seeking encouragement after a big set back
  75. Use retirement to pay off car?
  76. Sell paid off car or keep!???
  77. Building wealth.
  78. Which debt to pay off. What would Dave say
  79. What should I do about my car?
  80. Car Question
  81. Is anybody using Everydollar.com?
  82. New and overwhelmed by TMMO budget
  83. It was worth it!!
  84. Car Situation
  85. Student Loans
  86. On baby step 2 and have run into a large money need
  87. Recommended Dave Ramsey Book? (We have no debt... other issues)
  88. Dave Ramsey Live Events: Smart Money Tour vs. TMM Live Event
  89. Pay car in cash or get a car loan and pay down student loans
  90. Dave Ramsey - Canada
  91. Trying to stay focused on our debt snowball
  92. I am having a hard time committing to paying off my mortgage.
  93. Mba
  94. Skeptical start...My Snowball Because CCs are too even.
  95. How to Start A blog
  96. 401k WD for debt settlement
  97. 401k or Roth Ira First?
  98. Is It To Early for 12/15/15
  99. Review my situation??
  100. YES!! Pay off the mortgage FIRST!!!
  101. Emotional attachment to property
  102. Should we sell our home to pay off student loan debt?
  103. What's more important - refi to 15 yr fixed OR college savings?
  104. The vote is out....
  105. book
  106. New here, trying to go Gazelle :)
  107. Gazelle Intense/Extra Income
  108. Biting my tongue!
  109. Looking for a Financial Advisor/Coach
  110. Things Dave says that I totally disagree with
  111. DH on board with debt reduction, but not gazelle intensity...
  112. New with a few questions
  113. I cut up all three of my credit cards this evening...
  114. Graduate School and Debt
  115. Questions about zero point budget
  116. Just starting baby steps!
  117. How much does FPU Central cost to use after the class is over?
  118. Dave's TMMO.com program. Has anyone joined?
  119. Babystep Questions
  120. Snowball..could it REALLY work that fast?!
  121. Feels like I will never pay off my house
  122. Should my high balance Student Loans go in baby step 2 or 6?
  123. Just an Update
  124. myRA accounts and the Baby Steps
  125. Question for those who have attended Financial Peace University
  126. Living like no one else?
  127. DR Podcasts with FPU?
  128. should I still be contributing towards my 401k?
  129. Need home advice
  130. Pause debt snowball or keep on going?
  131. Im the exact opposite... having a credit card makes me save money!
  132. My new Anniversary 12-20-13 DEBT FREE
  133. How do I negotiate on medical bills?
  134. At what age does DR recommend to draw Social Sercuity?
  135. Pay off house v. Save for retirement
  136. Anyone interested in purchasing 2 VIP tickets to Dave's event Thursday in NJ?
  137. emeals
  138. FPU class ?
  139. Funding a new roof
  140. How I track income and expenses....
  141. New and EXCITED to be here!
  142. How much is your grocery budget?
  143. How much should I save?
  144. I don't agree with step 2.0 from the "Expanded Baby Steps" thread.
  145. I don't agree with step 1.1 from the "Expanded Baby Steps" thread.
  146. Split : Drive Free - Retire Rich
  147. Weird Club Application
  148. Where should I park my money short term?
  149. Pay off mortgage or save towards next house?
  150. An Agonizing Decision
  151. It was SOOOOO worth it!!!!!!!!!!!!!!!!!!!!
  152. Back on Track...
  153. Question about Envelope system
  154. Let the sleeping dog lie or......
  155. Is it ok to take a vacation...?
  156. HELP!! Is bankruptcy the only solution here?
  157. Any advice would be much appreciated
  158. Is this wrong? What should I do?
  159. Was your original Debt Payoff Date Accurate?
  160. What would you do in my situation?
  161. Teaching the Kids about loans/CC's
  162. First post, need some advice.
  163. Need advice for Student Loans
  164. A good problem to have, but not sure how to proceed.
  165. About to complete step 6, now what
  166. Huge financial mess!
  167. Ideal College Savings for child?
  168. NO Home Owners Insurance!!!!
  169. Bye-Bye Baby step #5!,
  170. diversification Questions
  171. feeling hopeless - advice needed.
  172. Living on beans and rice
  173. Discouraged, Depressed, and looking for tips and some hope
  174. Staying motivated in BS #6?
  175. Free Dave Ramsey Audiobook!
  176. How to prioritize saving + debt
  177. crazy idea for envelope system - multiple check registers
  178. Can you guys look at my budget for me...
  179. Listened to Dave for years, certain things he never explains
  180. Is it too early for 12/13/14?
  181. Surprise the dr haters came to visit!!!!
  182. Rent or sell my house?
  183. how to keep living like nobody else so you can live like nobody else?
  184. DR Investing Advice on Mutual Funds
  185. Vehicle Questions
  186. Baby Step 4 - 15% of income invested for Retirement
  187. Dave Ramsey on the radio
  188. IBR Question
  189. Which debt pay down first...highest interest rate, or lowest principal?
  190. Afraid to work
  191. Total Money Make Over Book
  192. Newbie Rant :)
  193. Pay off student loans or save and stop paying student loans
  194. Today Makes one Year of Reading TTMMO
  195. Chapter 13 Case Discharged, Good news, I think
  196. help! new and priority question
  197. What would you do???
  198. Need advice on Dave recommends books
  199. Business Opportunity I would like Some DR style advice about.
  200. Segregated funds - should we????
  201. Help if you can! (this is very long but please help!!)
  202. Here's my budget?
  203. Envelope System Question
  204. Retirement
  205. Allocated Spending Plan ARGHHH!!
  206. Trying to snowball but Student loans taking over...
  207. One round of layoffs survived...
  208. Not very busy here
  209. What would Dave do? - Advice please
  210. Would you all consider doing this?
  211. this is UNBELIEVABLE.
  212. Disgusted... starting over again.
  213. Becoming a land lord?
  214. Which TurboTax should we get?
  215. SHUT UP!!! Yep feel free to tell me...to shut up!
  216. Cant get past BS1
  217. lurker, looking for advice!
  218. Budget Pie Chart
  219. Looking forward to tomorrows pay day
  220. Help! Totally overwhelmed!
  221. One medical bill down, two more to go
  222. What is the first thing you are going to buy when you are debt free?
  223. Car repair costs more than the car is worth
  224. Car Situation - What to do?
  225. We are DEBT FREE!
  226. Dave Ramsey Books
  227. Dave Ramesy and Credit?
  228. New here, not sure I can follow DR.
  229. In conversations, is one person "the bad guy" generally?
  230. when you just don't make enough
  231. on babystep 1 and have a question
  232. House/work dilemma
  233. Dave Ramsey coming to Houston
  234. Sinking funds: Medical?
  235. Really disappointed with myself and hubby - mostly myself
  236. 1st Semester of Medical School done...but in debt
  237. What would Dave Ramsey tell me to do?
  238. Stuck and don't know what to do..
  239. My Dirty Little Car Dilemma
  240. Considering purchasing $25k worth of cars. Good idea?
  241. Dave Ramsey's Christmas Giveaway
  242. Need some motivation
  243. Check this out Dave Ramsey! Very interesting comments!
  244. How do you budget your month?
  245. How much do you think Dave Ramsey is worth?
  246. What's your fave financial program & why?
  247. I think I am a little to focused on paying off debt!
  248. Should I sell our Dream house to fulfill our dream?
  249. Refinanced!
  250. Trying to imagine someone who owns this house