Everything That You Need to Know About Ramsey Plus

ramsey-plus

In a world full of financial emergencies, Ramsey Plus pays off debt faster than expected. It also provides peace of mind knowing that your family will be safe if some emergency situation arises. The Ramsey Plus program is designed to help you take control of your finances so that, as the founder says, “you can win with money.”

You Receive the Following with Your Membership

  1. Complete access to Dave Ramsey’s suite of courses
  2. Tracking software on an app that shows you how much debt is snowballing and where it came from
  3. A year’s subscription to the premium version of EveryDollar, worth $99

Here’s What Ramsey Plus Is Based on

The Dave Ramsey Plus plan is a budget-based, cash flow-driven approach to financial success. The “baby steps” work as the foundation for all his advice. If you are new to this ecosystem, these baby steps are listed below:

  • Build up your wealth
  • Save $1000 in an emergency fund
  • Pay off all mortgage
  • Pay off all non-mortgage debt
  • Save for your child’s college
  • Complete three to six months’ worth of expense in emergency funds
  • Invest at least 15% of your income for retirement

How Does Ramsey Plus Work?

Once you sign up for Ramsey Plus, you will get access to information and support in numerous different ways. You may watch all courses online at the time of your convenience. Additionally, you will receive full access to the premium version of the EveryDollar budgeting application.

Moreover, you will also have complete access to a Ramsey Preferred Coach. The coach will answer any questions that might pop up. He or she will guide you on your journey through the Financial Peace University.

The Ramsey community/virtual groups will also be at hand. They will offer support from fellow Financial Peace University members alongside alumni. You can’t go wrong with the wide range of resources that Ramsey Plus offers to help you become successful in your finances.

Ready to Begin Your Journey? How Much Will It Cost You?

Ramsey Plus is a monthly membership that costs $129.99. A seven-day free trial is available to test the waters first. The membership is an excellent choice if you want the most value for your money. He provides coaching and community support at a non-parallel price point that can’t be found anywhere else! You have the option of canceling at any time, so there’s no risk for you.

101 Financial Peace University and Other Courses

One of the best things about being a member at Ramsey Plus is that you can access their entire Financial Peace University online course. There are four more courses available for free with a Ramsey Plus membership. These courses are as follows:

  1. Fast track course
  2. Course for teaching kids how to handle money
  3. Course on estate planning
  4. Budgeting course

Let’s take a look at them individually.

Financial Peace University

The Financial Peace University online course teaches you how to become financially free. The nine lessons are educational content, videos, and step-by-step lectures. These are on one’s lifestyle and what it takes to be successful with money in this world.

Here’s an outline of what is covered in these nine lessons:

  • Lesson 1: Baby Step 1 and Budgeting
  • Lesson Two: Baby Step Two
  • Lesson Three: Baby Step Three
  • Lesson Four: Baby Steps Four, Five, Six, and Seven
  • Lesson Five: Buyer Beware (understanding marketing tactics)
  • Lesson Six: Understanding Insurance
  • Lesson Seven: Building Wealth
  • Lesson Eight: Real Estate & Mortgages
  • Lesson Nine: Outrageous Generosity

Jump Start

Jump Start is a ten-lesson course that will give quick wins and help propel your progress right away. It covers course subjects including:

  • Called to Generosity
  • Safeguarding Your Legacy
  • Generational Legacy

This video course helps you plan your finances to leave a legacy behind for the generations to come.

Smart Money, Smart Kids

This course will teach your kids to be smart with money and have the financial knowledge they need for a successful future. The topics covered in this course are:

  • Contentment and Gratitude
  • Work and Responsibility
  • Saving and Patience
  • Debt and Honesty
  • Spending and Wisdom

The course includes a video on giving and generosity. There are many great tips in this program. They will show you how to teach your kids about managing money and additionally having a healthy attitude towards cash.

Budgeting That Actually Works

This course will teach you to develop a budget that works for your household. There are nine videos and 50 minutes of content. Budgeting that Actually Works covers the following topics:

  • Common qualities of great budgeters
  • Budgeting for the baby step you are on
  • Creating a budget specific to your life situation

Designing a budget is not just for the seasoned professional. With these courses, you can learn how to get started no matter where your life may be at this moment! You’ll find that there are plenty of videos included in each course, making them easy to understand. They are also refreshingly fun to watch.

The Every Dollar Plus Membership

Ramsey Plus membership also includes access to the EveryDollar app. The basic version is free and can help you budget, but some people want more than that. Many people look for an easy way of tracking expenses regularly.

Furthermore, it helps you stay organized. It provides you information on what you owe in terms of monthly rent or mortgage payments (the name says it all). The paid upgrade called “EveryDollar Plus,” costing $99 per year, is available only through becoming part of Ramsey Plus.

The EveryDollar app will help you track and categorize your expenses, debt payments, and any other expenses all in one place. When paired with a bank account or credit card linked through the platform, it can keep tabs on those. However, the tracking feature only comes with the Plus membership.

Baby Steps Tracker

The Baby Steps Tracker app is also included with the Ramsey Plus membership. This user-friendly software allows you to have an at-a-glance view on your phone. It tells you where you’re at in completing baby steps, giving you that much-needed accountability!

The app is a great way to manage your debt and determine when it’ll be paid off. You can even use the mobile platform to manage different payoff plans, with tips on accomplishing that goal.

Dave Ramsey has helped millions of people achieve their goals with his financial management techniques. Now you can access various tools to help your dreams come true too! One of the best things about this program is that it’s affordable.

You can work through it at your own pace and save money over hiring an expensive financial planner. You will not need to take other courses on personal finance topics such as budgeting habits and investing strategies for beginners.