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What are Dave Ramsey’s 37 Steps?

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37 key sub-headings are spread out through the 22 chapters of the book Financial Peace are as follows:

  1. Avoid “Stuffitis” the Worship of “Stuff”
  2. Plant Seeds—Give Money Away to Worthy Causes
  3. Develop Your Own “Power Over Purchase”
  4. Find Where You Are Naturally Gifted — Enjoy Your Work and Work Hard
  5. Live Substantially Below Your Income
  6. Sacrifice Now So You Can Have Peace Later
  7. You Can Always Spend More Than You Can Make
  8. The Borrower Is the Servant to the Lender; So Beware!
  9. Check Your Credit Report at Least Once Every Two Years
  10. Handle Credit Report Corrections Yourself
  11. Realize That the Best Way for Delinquent Debt to Be Paid Is for You, Not Collectors, To Control Your Financial Destiny
  12. You Must Save Money (The Power of Compound Interest)
  13. Use the “Keep It Simple, Stupid” Rule of Investing
  14. Only People Who Like Dog Food Don’t Save for Retirement
  15. Always Save With Pretax Dollars It Is the Best Deal The Government Gives You
  16. Learn Basic Negotiating Skills for Great Buys
  17. Learn Where to Find Great Buys (the Treasure Hunt)
  18. You Must Have Patience to Get Great Buys
  19. Singles Get Self-Accountability From the Written Plan
  20. Singles Should Look For a Money Mentor for Advice And Accountability
  21. Singles Beware of the Impulse Monster; He Will Eat You Alive
  22. Men and Women View Money Differently, so Be Sensitive To Differences
  23. Opposites Attract in Marriage, So Work Together For Maximum Wisdom
  24. When You Agree on Spending, You Will Experience Fabulous Unity in Your Marriage
  25. Teach Children to Work, Spend Wisely, Save, And Give
  26. The Most Powerful Legacy You Can Leave Is Wise, Competent Children
  27. Giving Loved Ones All the Money They Request May Not Be Best for Them
  28. Making Decisions Based on Fear of Reprisal Can Be a Sign of Codependence
  29. Be Strong Enough to Help Others and Strong Enough Not To
  30. Listen to Your Spouse’s Counsel (Women’s Intuition)
  31. There Are Few “Old” Fools—Seek Experienced Counsel
  32. You Must Keep Your Checkbook on a Timely Basis
  33. Lay Out the Written Details of a Cash Management Plan
  34. Commit to Your Plan for Ninety Days
  35. Take Time to Prioritize Your Life Daily
  36. Keep Your Spiritual Life Healthy
  37. Take Baby Steps — Prioritize Your Plan and Move Slowly
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