top of page

Brad is a SmartVestor Pro Advisor

Who is Dave Ramsey?

Dave Ramsey is America’s trusted voice on money and business. He is a personal money-management expert, heard by millions on his national radio show, financial author of seven best-selling books, a program that helps people eliminate their debt, get control of their money, and learn new behaviors around money that are founded on the principles of commitment and accountability.

Dave Ramsey's Philosophy

  1. Live on a Budget

  2. Get out of debt

  3. Invest 15% of your income in tax-favored retirement accounts

  4. Invest in good growth stock mutual funds

  5. Keep a long-term perspective

  6. Know your fees

  7. Work with a financial advisor

Dave Ramsey's 7 Baby Steps

BABY STEP 1 – Save $1,000 to start an emergency fund

BABY STEP 2 – Pay off all debt using the debt snowball method

BABY STEP 3 – Save 3 to 6 months of expenses for emergencies

BABY STEP 4 – Invest 15% of your household income into Roth IRAs and pre-tax retirement funds

BABY STEP 5 – Save for your children’s college fund

BABY STEP 6 – Pay off your home early

BABY STEP 7 – Build wealth and give

The SmartVestor program is a directory of investment professionals.

Neither Dave Ramsey nor SmartVestor are affiliated with Stipp Wealth Management or LPL Financial.

bottom of page