Intro: Ramsey Made Simple — For Real Life

Dave Ramsey’s principles changed lives — including mine.

But let’s be honest: for busy, overwhelmed people, the Baby Steps can feel like a second job.

I’m a Ramsey Certified Coach with a minimalist mindset. I believe in less overwhelm and more clarity.

In this series, I’ll break down each of the Baby Steps, simplify the process, and help you move forward — even if you’re starting small

Let’s make money make sense again.

Baby Step 1: Emergency Fund, Simplified

Dave says: Save $1,000 for a starter emergency fund.

Claudia’s simplified version:
Start with $100. Then $200. Then $500.

Progress beats perfection. The goal isn’t a perfect number — it’s breaking the paycheck-to-paycheck cycle.

Baby Step 2: Debt Payoff, Simplified

Dave says: Pay off all debt (except your mortgage) using the debt snowball method.

Claudia’s simplified version:

• Pick your smallest debt.
• Pay minimums on everything else.
• Throw everything extra at that one debt.
• When it’s gone, roll that payment to the next smallest.

Don’t overcomplicate it. You don’t need spreadsheets or apps unless that helps you stay motivated.

Baby Step 4: Invest 15%, Simplified

Dave says: Invest 15% of your income into retirement.

Claudia’s simplified version:
Start with 1%. Then 2%. Then 4%.

Build the habit first. Use your employer’s match if you have one — it’s free money.
You don’t have to master investing. You just have to start.

Baby Step 5: Save for College, Simplified

Dave says: Save for your kids’ college with an ESA or 529 Plan.

Claudia’s simplified version:
If you’re on Baby Step 5, you’re already doing great.

Start small — even $25/month adds up over time.
You can borrow for school, but not for retirement.

Baby Step 6: Pay Off Your Mortgage, Simplified

Dave says: Pay off your home early.

Claudia’s simplified version:
Throw every extra dollar at your principal.

Even $100/month makes a difference.
The goal isn’t to be house-poor — it’s to be house-paid.

Baby Step 7: Build Wealth & Give, Simplified

Dave says: Live and give like no one else.

Claudia’s simplified version:
At this stage, it’s not about more — it’s about meaning.

You’ve built margin. Now enjoy it — and share it.
Give generously. Save wisely. Spend with purpose.