Show me the money.
Oh, wait, you don't have any money.
"OooOoo, money, money, money."
That's where Ramsey plus is going to help
Money struggles are universal.
Whether it's for you and your family, for your business, or you're a YouTuber and you're
trying to figure out how to make money or how to get out of debt.
It can be really, really stressful.
So that's why I'm excited in today's video to talk about a money management resource
called Ramsey Plus.
Specifically, I'm going to talk about: 1.
What is Ramsey+?
2.
I'm going to give a deep dive into all of the different aspects of Ramsey plus.
3.
And I'm going to give my honest review and opinion of the service.
Now, full disclosure: I was gifted a one-year membership to Ramsey plus by the Ramsey Solutions
team.
This was in exchange for my complete honest review.
So don't worry.
I'm gonna be giving the pros and the cons.
What I like, what I don't like, but what is even better is they also gifted me two one-year
memberships to give to you guys.
So if you want to win, make sure to give this video a like, subscribe to my channel and
watch the entire video for the secret code word, which you will use to enter the giveaway.
So without further ado, let's jump into Ramsey plus.
So first, what is Ramsey Plus?
Ramsey+ is an all-access membership to the best money tools, apps, and courses that comes
from Dave Ramsey and his team at Ramsey Solutions.
If you're not familiar with Dave Ramsey or uncle Dave, as I like to call him, he basically
is one of the biggest financial gurus in the world.
And there's a reason for it.
Over the years through his plan, he has helped people pay off hundreds of millions of dollars
of debt.
So yeah, his plan works.
And what I love about it is that it's so simple, it's easy.
And he has broken it down into these things called the baby steps.
Now these are things that he teaches in his books (the Total Money Makeover) and on his
podcast and in Ramsey Plus, so let's dive into Ramsey+ right now.
So Ramsey Plus is a website portal where you're able to go and there are three different sections
to this: learn, budget, and track.
In the learn section, this is where you have access to all of his different courses over
the years.
And there are different courses depending on where you are in your financial journey,
whether you are just started out and you have no idea how to get out of debt and how to
budget, or maybe you are out of debt and you want to start building wealth.
Wherever you are, these courses will help you get there.
But my favorite course in Ramsey plus is Financial Peace University or FPU.
I think it's really cool that they included Financial Peace University in here.
Because back in the olden days, you would have to go, you'd have to pay $129 to take
Financial Peace University at your local church or community center.
But what's really amazing about the way that Financial Peace University is done through
Ramsey Plus is that you still have the option to go and take it in person.
Or if you're not comfortable with that, or you don't have the time, then you can take
it online.
Whether you're taking FPU in person or virtually, you are going to meet once a week with a group
of like-minded people, people who are on the same journey as you, you have an instructor
who leads the class, who teaches the principles, and then you meet for nine weeks.
And Financial Peace University really is their flagship product.
So I love that there are so many options for people to take it.
And what's really cool and encouraging about Ramsey Plus is that on average during the
first 90 people pay off $5,300 in debt and they saved $2,700.
During the first 90 days!
So if you're struggling with money, this is the roadmap.
This is the formula that will get you there.
For Financial Peace, not only can you access it on the website, but they also have a Financial
Peace University app.
All right.
So let's move into the second part of Ramsey+, and that is the budget section.
So with the budget section, you get one year access to the premium version of Every Dollar
(Every Dollar Plus).
Like I said before, I absolutely love Dave Ramsey and I love Every Dollar.
And actually one of the very first videos on my channel was a full review and demo of
how to use the EveryDollar app.
So definitely check that video out.
Now, there is a free version of E.ryDollar and there is the premium version of EveryDollar
(Every Dollar Plus) and with the premium version of EveryDollar, that's where you'll be able
to connect it with your various bank accounts.
So that way you can automatically import your various transactions.
The free version of every dollar.
It doesn't do that.
You have to manually put in all of your transactions.
And that can definitely add up over a month's time and take a lot of time.
So you save so much time by just using the premium version.
And to purchase a standalone membership to every dollar premium.
It will be over $100 per month.
So not only are you getting Financial Peace University, you're getting the premium version
of EveryDollar.
You're getting so much more bang for your buck than if you were to buy each of these
individually.
And now to the third part of Ramsey+, which is the track section.
Basically this is the baby steps, which is so important, no matter where you are in your
financial journey, you are going to be on one of these seven baby steps.
So through the website, you're able to put which baby step you're on and you're able
to track your progress.
So if you're in baby step one, that is save $1,000 in your emergency fund.
And so you'll be able to track, "okay, I have $500" and each time that you are adding more
money to your emergency fund, you can track that there.
They also have a corresponding app was you can do it on that app.
So not only do you have this website portal, but you have the three different apps that
are all included.
You have Financial Peace University app, you have EveryDollar Plus app, and then you have
the Baby Steps app.
Another really cool feature of Ramsey Plus is they have these action steps at the top
of the page that help keep you accountable.
They help keep you on track.
So over the course of 12 weeks, you can set up to 10 different action steps.
And these things are very small.
Dave Ramsey is all about baby steps.
So they are broken down into little bite-sized pieces.
For example, watch video, one of the jumpstart program, open a savings account, find out
what baby step you were on.
These are very, very small, but it makes it very attainable, which I really, really love
because if you are in debt or you're just getting started on managing your money, this
all can be really overwhelming.
It can be a lot and they know that.
And so they've just chunk it down for you that way it's super easy and attainable to
do.
And who does it like to check off an action step every time they do it.
There also is this member benefits section, and it has a whole bunch of other perks.
For example, you can file your federal taxes for free using Ramsey SmartTax.
You can make your will and get discounts on the MamaBear legal forms.
You get a free audio book.
And the last one is you get to talk with a financial coach for free.
So what this talk to a coach section is, is you fill out this form and then you get to
have a free 15-minute coaching consultation.
About three different coaches will reach out to you.
You can have your free consultations to talk about your money and where you're at.
And then after that free call, you can then sign up for one of their coaching programs,
which is an additional fee.
So it really, this is just a feeder into the Ramsey Preferred Coach program, which is totally
fine.
If you've gone through Ramsey Plus, and maybe you've gone through Financial Peace and you
still need additional help through a coach, this is a great way.
And I love that.
It's a way that you can go through someone who's certified in the Ramsey method.
So they're not trying to teach you other principles that maybe don't align with what you learned
here in Ramsey.
Plus now for my final thoughts on Ramsey+.
I think Ramsey plus is a must have for anyone who is just getting started out on their financial
journey, whether you are just getting started out on managing money, or you have a lot of
debt, or you just want to change your view of money and you want to be more financially
free Ramsey Plus is definitely for you.
I think Ramsey plus is now my go-to wedding gift for anyone who's getting married, because
we all know that money problems and struggles are the number one cause of divorce.
And a lot of times when two people are coming together and getting married, they have completely
different views and mindsets on money.
And through Ramsey Plus it can help couples and people get on the same page and it helps
them work towards a goal, which is financial freedom.
It's not just get out of debt, i's not just pay off your house; the ultimate goal is to
build wealth and give.
That is baby step number seven.
I was really impressed with how everything was laid out.
It is really simple to navigate.
And overall, I just love that you have the freedom to choose in-person Financial Peace
or online.
I love that.
And I think Financial Peace really is the core parts to having success in the Dave Ramsey
plan.
And then they do pair that with the apps that make that possible.
I am the biggest proponent of Every Dollar in the world.
So even if you just wanted to buy Every Dollar, you should just buy the membership to Ramsey+
because why not?
It's the same price and you get all of these other things.
You get all the free courses, you get the videos, you get it, you get it all.
So now if you're interested in checking out Ramsey Plus I have a link down below, so you
can get a 14-day free trial.
So you can test it out to see if it's for you to see if you like it.
To try out the app, to check out some of the lessons.
And as far as pricing goes, it's pretty reasonable for a three month membership.
It's $59.99 for a six-month membership.
It's $99.99.
And obviously the best value is a 12-month membership at one $29.99.
Now I get it, if you're in debt, that might seem a lot, but I'm telling you just the budgeting
app alone saves myself at least a hundred dollars a month because I'm tracking my money.
I'm conscious with my money and I know where everything is going.
So for me, paying for this membership is a no brainer because I save that much money.
Literally I saved that money in my bank account and more just by using their apps.
All right.
So now for the big giveaway!
Like I mentioned before, I have two one-year memberships of Ramsey+ to give away and I
am so, so, so excited.
So all you have to, to enter is to like this video, subscribe to my channel and leave a
comment down below, letting me know why you would want to win this one-year membership
to Ramsey Plus.
Another big, thank you to the Ramsey Solutions team for allowing me to have a membership.
So I could try this out and give you guys my review.
But before I go, if you're still interested in more check out this review of the every
dollar app, this is a super in-depth tutorial on how to use the app, how to budget, how
to get started.
So check that out right now.
That's all I have for today and I'll see you next time.
There was a plane flying overhead, but my favorite course in financial peace university,
I gave it away.
I was playing very loud playing at that.
I will take a sippy sip.
To purchase, the standalone version of the premium version.
That's a lot of versions.
No whistling!
I don't know what's happening.
There's just so many noises.