Financial Coaching with the Dave Ramsey Baby Step Process

Guiding your financial decisions with clear steps and personalized support

Tailored Financial Guidance

Receive strategies designed specifically for your unique financial situation and goals.

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Support Beyond Numbers

Benefit from emotional coaching that helps you stay focused and confident in your financial decisions.

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Clear Path to Stability

Follow a proven step-by-step process that simplifies complex financial choices and builds lasting security.

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Convenient & Accessible

Work with a certified planner from anywhere using Zoom, making financial coaching hassle-free and flexible.

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Step 1: Save a Starter Emergency Fund

Set aside $1,000 quickly to cover unexpected expenses and avoid new debt.

Step 2: Pay Off All Debt Except the House

Focus on eliminating credit cards, car loans, and other debts to free up cash flow.

Step 3: Build a Full Emergency Fund

Accumulate three to six months of living expenses to protect against income loss.

The 7 Baby Steps to Financial Freedom

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Step 1: Save $1,000 for a Starter Emergency Fund
Begin your journey by setting aside $1,000 to cover unexpected expenses. This initial emergency fund will provide a safety net and help you avoid going into debt when life throws you a curveball.

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Step 2: Pay Off All Debt (Except the House) Using the Debt Snowball
Focus on eliminating your debts from smallest to largest. By paying off the smallest debts first, you gain momentum and motivation to tackle larger debts, ultimately freeing yourself from financial burdens.

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Step 3: Save 3 to 6 Months of Expenses in a Fully Funded Emergency Fund
Once your debts are cleared, build a more substantial emergency fund that covers 3 to 6 months of living expenses. This fund will provide peace of mind and financial stability in case of job loss or other emergencies.

Step 4: Invest for Retirement

Contribute consistently to retirement accounts to grow your long-term savings.

Step 5: Save for College

Start funding education costs to reduce future financial burdens.

Step 6: Pay Off Your Home Early

Make extra mortgage payments to reduce interest and own your home sooner.

Step 7: Build wealth and Give

You know what people with no debt can do? Anything they want! The last step is the most fun. You can live and give like no one else. Keep building wealth and become outrageously generous, all while leaving an inheritance for your kids and their kids.

Take Control of Your Financial Future with Expert Coaching

Schedule a personalized consultation to start applying the Dave Ramsey Baby Step process using Monarch’s budgeting tools. Gain clarity, reduce financial stress, and build lasting stability with guidance tailored to your goals.

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Common Questions About Financial Coaching

Find clear answers to frequently asked questions about our financial coaching services, the Dave Ramsey Baby Step process, and how to begin your journey toward financial confidence with University Financial Strategies.

  • What is financial coaching and how does it work?

    Financial coaching provides personalized guidance to help you manage your money, reduce debt, and build wealth. Our approach focuses on your unique goals, using the Dave Ramsey Baby Step process combined with the Monarch budgeting tool to create actionable plans and ongoing support.

  • How do the Dave Ramsey Baby Steps improve financial stability?

    The Baby Steps break down financial goals into manageable stages, starting with saving an emergency fund and ending with building wealth and giving generously. This structured path helps reduce overwhelm and keeps you focused on measurable progress.

  • What is the Monarch budgeting tool and why is it used?

    Monarch is a comprehensive budgeting platform that tracks your income, expenses, and investments in one place. It integrates seamlessly with our coaching to provide real-time insights, helping you stay on track with your Baby Step goals.

  • How do I get started with University Financial Strategies?

    Begin by scheduling a consultation via Zoom. We’ll review your current financial situation, introduce the Baby Step process, and set up Monarch budgeting tailored to your needs. Our coaching sessions are designed to fit your schedule and provide ongoing accountability.

  • Can financial coaching help with emotional challenges around money?

    Yes. Our coaching addresses the emotional aspects of money management, helping you overcome stress, fear, and confusion. By following a clear plan and receiving consistent support, you gain confidence to make decisions that align with your values and goals.

Ready to Take Control?

Connect with University Financial Strategies to begin your personalized financial coaching journey. Use the Baby Step process and Monarch budgeting to build a secure financial future with expert guidance every step of the way.