Dave Ramsey has laid out the baby steps very simply. If followed, the baby steps are extremely well organized, simple, and highly effective. BUT, everyone’s lives are a little bit different and as laid out, following the baby steps 100% to the T may not be the best move for everyone.

• Our Budget Template (free): http://www.mikeandbrit.com/budget
• Our Debt Payoff Organizer: https://www.mikeandbrit.com/debtorga...
• Our Robinhood Invite Code (grab a free stock): https://join.robinhood.com/michaem27270
•Gear We Use for Our YouTube Videos: https://www.amazon.com/shop/mikethema...
•Instagram:   / itsmikeandbrit  

There were two of the baby steps Brittany and I did a little differently than what Dave Ramsey normally recommends on his radio show:

1) Baby Step 1 $1000 starter emergency fund. We felt this was a little too risky for us given the nature of our work schedules, high medical bills, and how often things seemed to break on our cars.

2) Baby Step 2 paying off debts smallest to largest using the debt snowball (everything except the house). Brittany and I saw that we could pay off two of the debts in the middle of our snowball (our cars) and clear up $640/month. That would give us a TON of extra cash flow to throw at our student loans, and that's exactly what we did.

We do plan to continue following the general outline of the baby steps, but personalizing it more specifically to our lives as we always have. We’re on baby step 4 right now (investing our money), so after we move into our new house and our finances settle down, we plan on investing A LOT more than 15% of our income. And paying down the house early, etc., etc.


Books that Will Change Your Life

• The Total Money Makeover: https://amzn.to/3hoVIDz
• Richest Man in Babylon: https://amzn.to/3DNmTjg
• Rich Dad Poor Dad: https://amzn.to/3TgujRQ
• The Little Book of Common Sense Investing: https://amzn.to/3UgqmxR
• 48 Days to the Work You Love: https://amzn.to/3zV7ewY
• See You at the Top: https://amzn.to/3tbHiJH
• The 7 Habits of Highly Effective People: https://amzn.to/3zY3KKd
• PsychoCybernetics: https://amzn.to/3Ukj1xd
• 7 Levels of Communication: https://amzn.to/3UBiLth
• Twelve Pillars: https://amzn.to/3WGcePP


GEAR WE USE

Sony a6400 https://amzn.to/2YyGFy1
Sony a6600 https://amzn.to/3Br8R4q
Sony 1018mm f/4 https://amzn.to/2DuIMpf
Sigma 16mm f/1.4 https://amzn.to/2ZpYZW5
Sony 50mm f/1.8 https://amzn.to/2Dtob4D
Manfrotto 290 Xtra https://amzn.to/2GEvKYg
Manfrotto 3Way Photo Head https://amzn.to/2IOjNAw


Legal Disclaimer: Michael Miller is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.