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Baby Steps to Financial Peace

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Dave Ramsey's Baby Steps to Financial Peace

1. $1,000 in a "starter" Emergency Fund ($500 if income is udner $20,000/yr)

2. Pay off al debt (except the house) utilizing the "Debt Snowball"

3. 3-6 months expenses in Emergency Fund savings

4. Invest 15% of household income into Roth IRAs and pre-tax retirement

5. College Funding

6. Pay off home early

7. Building wealth! (Mutual Funds/Real Estate)


The following are worsheets to help you acheive the above, One Step At A Time!

In following the steps above, one step at a time, starting with step 1 to step 7, in order, you will acheive financial peace.

Monthly Cash Flow Plan (Print-Out)

page 1

page 2

page 3

Lump Sum Payment Planning

Cash Flow Planning (Recommended Percent Guidelines)

Irregular Income Planning

Breakdown of Savings

The Debt Snowball

Pro Rata Debts (Print-Out)

Pro Rata Samples

Pro Rata Plan Letter

Monthly Retirement Planning

Dave Ramsey Resources

Dave on Giving

Dave on Debt

Dave on Credit Cards and Purchases

Dave on Saving and Investing

Dave on Insurance

Military Program


If you would like more information about this program or any of these worsheets check out the section on Dave Ramsey Resources, and consider taking one of his courses at a church near you.

All glory, honor and praise to Jesus Christ our Lord.
Serving the Lord together since Dec. 2002!!