In this episode, The FI Show Guys take an honest look at Dave Ramsey's 7 Baby Steps.

While we believe Dave Ramsey has been a great gateway for a lot of people, there's a ton we just can't agree with.

"Save 15%, never use credit cards, pay off all debt before investing"....these are just too prescriptive and not very optimal mathematically.

We know there's a lot of Ramsey believers out there, and we welcome your feedback to this episode.

If you're unfamiliar with the Baby Steps, here's a quick overview:

Baby Step 1: Save $1,000 for your starter emergency fund

Baby Step 2: Pay off all debt (except the house) using the debt snowball

Baby Step 3: Save 3-6 months of expenses in a fully-funded emergency fund

Baby Step 4: Invest 15% of your household income in retirement

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

Know someone that blindly follows Dave's advice? Share this episode with them and show them there are more options out there!

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