Baby Steps婴儿的步骤
Cut up your credit cards.剪下您的信用卡。 Pledge never to go into debt again!承诺从来没有进入债务了！ Don’t rely on your credit cards as an pseudo “emergency fund.” Not having them will motivate you to get on the ball.不依赖于您的信用卡作为一个伪“紧急基金。 ”没有让他们将激励你得到的球。
“When he reached the New World, Cortez burned his ships. “当他达到了新的世界，他的科尔特斯烧毁的船只。 As a result his men were well motivated.” 由于他的人以及动机。 “
- Captain Marko Ramius; Captain of the Red October -上尉马科雷缪斯;船长的红十月
1. 1 。 Make minimum payments on all your bills (get current first).使最低支付所有的费用（目前获得第一） 。 Save $1,000 cash.保存1000美元的现金。 This is your beginner Baby Emergency Fund.这是你的宝贝初学者应急基金。 The baby emergency fund should help you avoid incurring more credit card or other debt when the transmission falls out or an other emergency strikes.婴儿的应急基金应帮助您避免引起更多的信用卡或其他债务的传输时，属于或其他紧急情况。 Some use and reestablish the baby emergency fund multiple times.一些使用和重新婴儿的应急基金多次。
2. 2 。 Pay off all of your debts in order of smallest balance to largest.还清所有的债务，以最小的平衡，以最大的。 “Snowball” the payments as you go. “雪球”付款你去。 “The Debt Snowball” is analogous to a snowball rolling downhill. “债务雪球”是类似的雪球滚下坡。 Each time you payoff a debt, you pick up more snow.每次支付的债务，您可以选择更多的降雪。 This is where Dave’s plan may deviate from math.这是戴夫的计划可能会偏离数学。 Dave has learned that personal finance is 80% personal behavior.戴夫了解到，个人理财有80 ％的个人行为。 Dave calls these payoffs, “attaboys.” Get a few attaboys and your confidence grows.戴夫呼吁这些回报， “ attaboys 。 ”获取一些attaboys和你的信心增加。 This is by far the most difficult baby step for most people.这是迄今为止最困难的一步婴儿对大多数人来说。 This is the stage that requires the most Gazelle intensity.这是现阶段需要最瞪羚强度。
2b. 2b干扰素。 Call Dave and SCREAM, I’MMMMMMMMM DEBT FREEEEEEEEEE!呼叫戴夫和尖叫， I'MMMMMMMMM债务FREEEEEEEEEE ！
3. 3 。 Create a full-fledged Emergency Fund containing 3 to 6 months’ worth of living expenses.创建一个正式的紧急基金载有3至6个月的生活费。
4. 4 。 Direct 15% of your annual pre-tax income into your retirement plans.直接15 ％的年度税前收入到您的退休计划。 Utilize tax-advantaged accounts such as 401ks and Roth IRAs, if eligible.利用税收占优势，如401ks和罗斯个人退休账户，如果资格。 Get to your 15% with employee matched first (up to the match), Roth IRAs next if eligible, then go back to 401k, etc. until you get up to 15%.找到您的15 ％与员工匹配第一（最多的比赛） ，罗斯个人退休账户，如果明年有资格，然后再返回到401k ，等等，直到您获得高达15 ％ 。
5. 5 。 Take care of college funding.照顾大学生的资金。 Fully fund Educational Savings Accounts and/or utilize 529 plans for your children(s) college fund.充分资助教育储蓄帐户和/或利用529计划，你的孩子（星期日）大学基金。 No kids yet?没有孩子吗？ Skip this step.跳过这一步。
6. 6 。 Become 100% debt-free: Pay off your home early.成为100 ％无债：回报您的家庭早日。 This is the holy grail to Dave Ramsey’s flock.这是圣杯戴夫拉姆齐的羊群。 Once baby step 6 is achieved, the home owner is encouraged to take shoes and socks off and walk around in the yard with bare feet.一旦婴儿第6步实现，家庭主人是鼓励各国采取鞋和袜子起飞和走动在院子里的赤脚。 The grass feels different.基层不同的感觉。 At this point, you don’t owe one red cent to anyone.在这一点上，你不欠一个红色的给任何人。 Everything that is yours is actually yours (and God’s).一切是你的实际上是你（上帝的） 。 Enslavement ends upon completion of Baby Step 6.奴役结束完成后，婴儿第6步。 The borrower is slave to the lender no more.借款人是奴隶的贷款没有。
7. 7 。 Build wealth with paid for real estate and/or mutual funds.积累财富与支付的不动产和/或共同基金。 Live like no one else, so later, you can GIVE like no one else.生活就像没有人，所以后来，你可以不喜欢给别人。
Dave Ramsey Soundboard - Play Dave. 大卫拉姆齐音效 -发挥戴夫。 Great Prank!伟大的恶作剧！ Try it on your Dave Ramsey fan friends or use it on the next credit card collector that calls you.尝试在您的戴夫拉姆齐球迷朋友或使用它的下一个信用卡收藏家，要求你。 Just put your phone by the speaker, pull up the soundboard, and let the fun begin.只要把你的手机的扬声器，拉动音效，让有趣的开始。
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