Dave Ramsey’s 7 Baby Steps have helped millions take control of their finances by promoting a simple, disciplined approach to debt elimination, saving, investing, and generosity.

We all know the traditional path: work hard, get paid, pay bills, try to save what’s left—repeat until retirement. For many, it’s a routine that feels more like survival than progress. What if there were a better way?

If there’s one debt that feels like it will follow you into the grave, it’s your mortgage. It hangs over your head for decades—30 years of payments, interest, and the constant sense that no matter how many checks you write, the balance never really budges.

Most people think of their budget as a restrictive tool—something you use to cut expenses, rein in spending, and say “no” a lot more than you’d like. But what if your budget could actually earn you money?

Imagine waking up, visiting to your banking app, and seeing an extra $100, $200, or even $500 just sitting there. No, it’s not a glitch.

Feeling like your paycheck disappears faster than a magician’s rabbit? If so, you’re not alone. Every month, you have to spend your hard-earned money.