Dave Ramsey, author of The Total Money Makeover, has used the 7 baby steps to help people pay off debt, budget, and save money. Here are 5 of Dave Ramsey's best financial tips to help you become debt free and say goodbye to credit card debt and student loan debt. These tips come from Dave Ramsey's YouTube channel and his book, The Total Money Makeover. Use these money tips to help you learn how to make a zero based budget and get out of debt. #daveramsey #babysteps #debt #money #debtfree