Ramsey Solutions

Helping people win with money, create the life they want, and have hope for their future—that’s what drives us every single day.?? 2024 was an unforgettable ride, and we’re just getting started. We’re fired up for 2025 because our mission matters—and so do the people we serve! ?? Want to be part of something bigger this year? Check out our open roles and apply to join our team: https://ter.li/2025-roles

A brand-new car loses around 60% of its value in the first five years. ???? That means the "investment" you just financed is actually draining your wealth. Cars go down in value, but your payments sure don’t. Stop throwing money at a depreciating asset, and start putting it toward things that actually build wealth. Buy used, pay cash, and keep your money working for you, not the bank!

Stop borrowing a life that isn’t yours—build one you own.??

?? Money Lessons Every Kid Needs to Learn (Before It’s Too Late!) Money habits start young, and it’s up to parents to make sure kids learn how to handle it the right way. Here are four key areas every child needs to understand: 1. Work ?? Money comes from work—not from handouts, the government, or luck. Kids need to connect the dots between effort and earnings early on. That’s why we recommend commissions, not allowances. You work, you get paid. You don’t work, you don’t get paid. Simple as that. 2. Save ?? Delayed gratification is key to financial success. If a kid can learn to save up for a toy now, they’ll know how to save for a car—or even a house—later. And guess what? They won’t need debt to do it. 3. Spend ?? Money isn’t just for saving—it’s for enjoying too! Kids should experience the excitement of spending their own hard-earned cash on something they really want. If they never get to enjoy their money, they may struggle to find a healthy balance between saving and spending later in life. 4. Give ?? The most fun you’ll ever have with money? Giving it away. Teach kids to give from their own money—not just pass along yours. When they feel the joy of generosity, they’ll carry that habit for life. When kids learn these four principles, especially giving, they grow up with confidence, character, and a foundation for real financial freedom. Let’s raise the next generation to handle money the RIGHT way!??

Friendship is key to a marriage that lasts.

Swiping the card for felt easy until $1 MILLION in debt made life really hard. ???? They were borrowing a lifestyle they couldn’t afford, and it finally caught up. ? Real freedom comes from living within your means, and not owing anything to anyone!

You know what happens when you pay off your house and the bank doesn’t own it anymore? The grass feels different under your feet when you step onto the lawn. It’s the feeling of freedom! Plus, you're one step closer to becoming a millionaire!??

The brand-new car with a payment, the giant house that stretches your budget, the constant impulse buys to keep up…none of it builds true wealth. It just builds stress. ? Real wealth? It’s driving a reliable paid-off car, having margin in your budget, sleeping well at night, and having financial security for the future.??

Want a strong marriage? Get on the same page in these four areas. ?? ? When couples align on the big stuff, they build trust, unity, and a foundation that lasts.

It’s easy to get wrapped up like a mummy in impulse spending, but don't desert your budget.??? ? Without making a plan and sticking to it, small splurges can bury your financial goals faster than ancient artifacts.??