Anne found out her husband gambled away all of their savings, and they're now $120,000 in debt. She called in to The Ramsey Show for advice. | Dave Ramsey

A young couple realized they’re deeply upside down on a massive fifth-wheel camper and a truck they no longer live in. Together they make good money, but the loans are dropping in value faster than they can pay them off. They called in to The Ramsey Show for advice. | Dave Ramsey

The 7 Baby Steps are a proven, step-by-step plan to take control of your money and build wealth. First, save $1,000 as a starter emergency fund. Then, knock out all debt except your house. Once you’re debt-free, build up 3–6 months of expenses. From there, you’ll invest, save for college, and pay off your home early so you can live and give like no one else. Follow this plan and you’ll change your life forever. | Dave Ramsey