And while that may sound too good to be true for anyone currently struggling with debt or other financial issues, many people swear by it, including Jennifer Metcalf of Oconomowoc, Wisconsin, who spoke with Parade about her experience with the program. Keep reading to find out what she had to say about the process, including which step was the hardest, and which one felt the most fulfilling.
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View this post on InstagramSaving $1,000 for a starter emergency fundPaying off all debt other than your house, using Ramsey's snowball methodSaving between three to six months worth of expenses to fully fund your emergency accountInvesting 15 percent of your income into your retirementSaving for your children's college fundPaying off your home earlyBuilding wealth and giving to friends, family, and charities
Related: Dave Ramsey Wants Tennessee Couple to Sell Their Newly Built $660k Dream Multigenerational Home
Metcalf says she began with step one in 2018, working her way through the process up until 2025, when she finally reached the seventh and final step. And while each part came with its own challenges, she said that one was not only the most difficult but also the most rewarding.
Related: Dave Ramsey Wants North Dakota Man To ‘Walk Away’ From a $10 Million Family Business
Ramsey's Advice Requires Discipline and Patience
As for all that hard work, Metcalf says that it's paid off (pun intended). "It has changed everything," she says. "If something breaks, we have money to fix it. The freedom this has allotted our family is incredible." Like so many others, Metcalf says she was never taught how to manage money properly. "I thought credit cards and auto loans were normal. I thought being wealthy was because you inherited a fortune," she continued, adding that anyone can follow the process, as long as they are willing to do the work.
Disclaimer: This article is for informational purposes only and does not constitute financial advice.
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