The Ramseys

Index

The Ramseys Solution

Besides working, I like to read books, articles, and blogs, this is how I came across The Ramseys Solution. This platform was founded by Dave Ramsey. It is very American and faith oriented, but if I look through it, I will see the 7 steps method Dave has developed to give a financially free life. The 7 steps are:

1. Set aside 1.000 euros as an emergency fund.

2. Pay off all debts except mortgage, starting with the smallest first.

3. Build an emergency fund for 3-6 months.

4. Invest for retirement.

5. Set aside money so that children can eventually go to college debt-free.

6. Pay off the house.

7. Give generously to great initiatives.

Financial Peace

These practical steps for achieving financial peace of mind are shared through blogs, YouTube, events, courses, apps, books, and a live radio show. All of this content is available through Ramsey Solutions. 

7 Steps My Way

I’ve adapted this method to fit who I am, which means I often work through several steps at the same time instead of following them strictly in order. Of course, the process would be most effective if I completed the 7 steps sequentially, my student debt would have disappeared much faster. But I choose to follow my own path, because my income comes from my business and I value a healthy, stress‑free life. Since September 2024, I have been completely debt‑free, having reduced my student loan balance to €0. 

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