What Would Dave Ramsey Say?
Enter your numbers and get graded by the strictest voice in money radio — which Baby Step you're on, where he'd yell, and what he'd have you do next.
Your numbers vs his rules
Emergency months, housing share of take-home, and retirement savings vs the Ramsey targets.
What he'd have you do next
In order. Straight from the philosophy.
The rules this tool applies
The 7 Baby Steps
1) $1,000 starter emergency fund → 2) pay off all non-mortgage debt smallest-to-largest (the snowball) → 3) grow the fund to 3–6 months of expenses → 4) invest 15% of income for retirement → 5) save for kids' education → 6) pay off the house early → 7) build wealth and give.
His other rules used here
Housing should stay at or under 25% of monthly take-home pay. No credit cards, ever — pay cash. Debt snowball over avalanche because behaviour beats math.
Where mainstream advice disagrees
The snowball costs more interest than the avalanche (compare both here); many planners are fine with responsible credit card use; his 12% return assumption is far above the FP Canada planning guideline of ~6%.
The fine print
This is an educational parody applying Dave Ramsey's well-documented public philosophy to your numbers. All verdict lines are paraphrases in his style — not real quotes. Not affiliated with or endorsed by Dave Ramsey. For actual advice, talk to a licensed professional.