#Baby Steps

The Total Money Makeover

by Dave Ramsey

Dave Ramsey's signature seven-step plan for getting out of debt and building wealth — the "Baby Steps." Save a $1,000 starter emergency fund, snowball your debts smallest to largest, fully fund your emergency reserve, then invest 15% of income for retirement. Sold over five million copies on the strength of one idea: the math works only when you change the behavior first.