You may have already heard of Dave Ramsey’s 7 Baby Steps. The radio host and personal finance personality has popularized this step-by-step guide to take control of your money.

Key Points. A 28-year-old is debt free after following Dave Ramsey’s advice for four years. He went from his lowest low to becoming debt free, and many people congratulated him on Reddit.

Ramsey’s method, the “7 Baby Steps,” is designed to help you build an emergency fund, pay off debt and build wealth. Here’s a brief overview of the steps and how each one works. 1.