how to let baby sleep alone

Sleep sacks can be used for swaddling. Swaddling is a great way to soothe and calm a fussy baby. Swaddling can also improve sleep by preventing the startle ...

how to let baby sleep alone

how to how to let baby sleep alone for

newborn baby unsettled sleep
Interrupter CheckmarkInterrupter IconFacebookGoogle PlusInstagramGroupRamsey SolutionsTwitterYouTubeExpand MenuStoreCloseSearchExpand MenuBackStoreSign in
Skip to Main Content
daveramsey.com
Sign In
Cancel Search

You can take control of your money! Millions of people have left their money worries behind by working this plan. It’s time to start managing money the right way.

What Are the Baby Steps?

Dave Ramsey's 7 Baby Steps will show you how to save for emergencies, pay off all your debt for good, and build wealth. It’s not a fairy tale. It works every single time!

  • Baby Step 1

    Save $1,000 for your starter emergency fund.

  • Baby Step 2

    Pay off all debt (except the house) using the debt snowball.

  • Baby Step 3

    Save 3–6 months of expenses in a fully funded emergency fund.

  • Baby Step 4

    Invest 15% of your household income in retirement.

  • Baby Step 5

    Save for your children’s college fund.

  • Baby Step 6

    Pay off your home early.

  • Baby Step 7

    Build wealth and for 1 last update 2020/06/05 give.Build wealth and give.

  • Why the Baby Steps Work

    Forget everything you know about money-management plans. With Dave’s 7 Baby Steps, you don't need a degree in finance to take control of your money. Anyone can do it! With each step, you’ll change how you handle money—little by little.

    Get Started with the Baby Steps

    Follow the proven plan that’s helped millions of people ditch debt and build wealth!

    Baby Step 1: Save $1,000
    for Your Starter Emergency Fund

    In this first step, your goal is to save $1,000 as fast as you can. Your emergency fund will cover for 1 last update 2020/06/05 those unexpected life events you can't plan for. And there are plenty of them. You don’t want to dig a deeper hole while you’re trying to work your way out of debt!In this first step, your goal is to save $1,000 as fast as you can. Your emergency fund will cover those unexpected life events you can't plan for. And there are plenty of them. You don’t want to dig a deeper hole while you’re trying to work your way out of debt!

    Create Your First Budget

    how to let baby sleep alone 🔴how to how to let baby sleep alone for Baby Step 2: Pay Off All Debt
    (Except the House) Using the Debt Snowball

    how to let baby sleep alone 🔴how to how to let baby sleep alone for Next, it’s time to pay off the cars, the credit cards, and your student loans. Start by listing all of your debts except for your mortgage. Put them in order by balance from smallest to largest. This is called the debt snowball method, and you’ll use it to knock out your debts one by one. Our class, Financial Peace University, shows you how to pay off your debt using the debt snowball method and start saving for the future.

    Find a Class Near You

    Baby Step 3: Save 3–6 Months
    of Expenses in a Fully Funded
    Emergency Fund

    how to let baby sleep alone 🔥how to how to let baby sleep alone for You’ve paid off your debt! Don’t slow down now. Take that money you were throwing at your debt and build a fully funded emergency fund that covers 3–6 months of your expenses. This will protect you against life’s bigger surprises, like the loss of a job or your car breaking down, without slipping back into debt.

    Start Saving Money

    Baby Step 4: Invest 15% of Your
    Household Income in Retirement

    It's time to get serious about retirement—no matter your age. Take 15% of your gross household income and start investing it into your retirement. Start with your company’s 401(k) plan and receive the full employer match. Invest the rest into Roth IRAs—one for you and one for your spouse (if you’re married).

    Find Your Investing Pro

    Baby Step 5: Save for Your
    Children’s College Fund

    By this step, you've paid off all debts (except the house) and started saving for retirement. Next, it's time to save for your children’s college expenses (that is, if they make it through Algebra II and Chemistry unscathed). We recommend 529 college savings plans or ESAs (Education Savings Accounts).

    Learn to Save for College

    Baby Step 6: Pay Off Your Home Early

    Now, bring it all home. Baby Step 6 is the big dog! Your mortgage is the only thing between you and complete freedom from debt. Can you imagine your life with no house payment? Any extra money you can put toward your mortgage could save you tens (or even hundreds) of thousands in interest.

    Talk to a Mortgage Expert

    Baby Step 7: Build Wealth and Give

    You know what people with no debt can do? Anything they want! The last step is the most fun. You can live and give like no one else! Keep building wealth and become insanely generous. Leave an inheritance for your kids and their kids. Now, that's what we call leaving a legacy!

    Browse Dave's Store

    Who Is Dave Ramsey?

    More than 25 years ago, Dave Ramsey fought his way out of bankruptcy and millions of dollars in debt. What he learned turned into Financial Peace University—the program that has helped more than 5 million people change their financial futures and family trees. Now, his radio show and podcast, The Dave Ramsey Show, reaches more than 13 million listeners each week.

    Get a FREE Customized Plan for Your Money!

    Answer a few questions and we’ll create a custom plan just for you to help you take control of your money. It only takes 3 minutes!

    Take the Assessment