Dave Ramsey’s Baby Steps have helped countless people get out of debt and start saving, but are they still the best way to build long-term wealth?

We explore each Baby Step by highlighting where we agree, where we diverge, and why we believe the Financial Order of Operations (FOO) provides a clearer, more effective roadmap to financial success.

We’ll cover everything from emergency funds and debt repayment to saving rates, investment order, college planning, and beyond. Whether you’re starting from scratch or optimizing an already-strong plan, this episode helps you understand what to do with your next dollar.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Puzzle-Toni & Knöllchen-Harry