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Are you ready to take control of your money? Financial Peace University (FPU) is a nine-lesson course designed to help you build a budget, dump debt, grow your wealth, and leave money stress behind! Each lesson, taught by Dave Ramsey and his team of financial experts, is based on biblical wisdom and common sense. In your FPU group, you’ll be motivated and encouraged by others just like you! When you sign up for FPU, you’ll now get a Ramsey+ membership which includes access to online courses, including Financial Peace University, the premium version of the EveryDollar budgeting app, the BabySteps app, PLUS so much more.
The Nine Lessons of FPU
You’ll learn the course overview and the 7 Baby Steps - our proven, step-by-step plan to win with money! Take a deep dive into Baby Step 1, saving $1,000 for your starter emergency fund, and discover the key to your success: the budget.
Baby Step 1 - Budgeting
Baby Step 2 - Pay Off All Debt
Baby Step 2 is paying off all debt (except the house) using the debt snowball. You’ll learn that debt is not a tool to build wealth - it’s a thief! But with our proven method, gazelle intensity, and a lot of prayer, you can get rid of those payments once and for all!
Baby Step 3 - Save a Fully Funded Emergency Fund
Baby Step 3 is saving 3–6 months of expenses in a fully funded emergency fund. The emergency fund is Murphy repellent. It protects you from reaching for a credit card to cover emergencies, and it keeps you from living in fear of the next surprise expense!
Baby Step 4,5,6,7 - Invest in the Future & Build Wealth
Baby Step 4 is to invest 15% of your household income in retirement. Baby Step 5 is to save for your children’s college fund. Baby Step 6 is to pay off your home early. And Baby Step 7 is to build wealth and give with outrageous generosity!
Retirement Planning
Planning for retirement is all about wealth building! In Lesson 7, you’ll learn how to think and act like a millionaire by investing the right way - slowly, consistently, and simply, in things you actually understand.
Buyer Beware
There are a million marketing tactics trying to get at your money and bust your budget, but in Lesson 5, you’ll learn how to gain power over your purchases! Learn when to put your shields up to defend your dollars -and when to get your dollars out and negotiate for a deal.
Real Estate & Mortgages
A house is the largest financial investment you’ll ever make, so make sure you know the right way to buy one! In Lesson 8, you’ll learn about renting, refinancing, selling, and when and how to buy your dream home.
The Role of Insurance
Lesson 6 is not your typical boring and confusing insurance talk. You’ll clearly understand the seven types of insurance you actually need and what you definitely don’t need. Getting the right insurance in place is one of the most important parts to your defensive game plan!
The Great Misunderstanding
You can do everything we teach and you will prosper, but if you don’t understand this lesson, you will never have financial peace. In Lesson 9, you’ll learn how to manage money - God’s money - with an open hand and a generous heart.