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8 Habits of Dave Ramsey Fans You Need to Adopt

Written by Grace & Silas
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Dave Ramsey has been an influential personality in the world of finance. He also developed a set of lessons and materials that have helped millions of people get out of debt. Ramsey has been known to advise people on their financial decisions. And if you want to learn more, then here are some habits that Ramsay’s fans follow to make the most of their money.


Important Side Note: 

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If you’re in debt, then I would definitely read Dave Ramsey’s book The Total Money Makeover which you can check out here. He’s helped MILLIONS of people climb their way out of debt and have financial peace and security. So DEFINITELY check him out!

Also! He has another great book called the Legacy Journey which is a great read. Check it out here!


Avid readers – One of the reasons millionaires become millionaires is due to their constant desire to learn. To them, leadership books and biographies are of particular interest. So utilizing time to gain knowledge is one of the first steps to becoming a millionaire.

Quick Note!

Hey, also want to know the 11 habits of people who always have money? Click here to check them out!

Budgeting – Budgeting plays an important role in financial planning. It helps in keeping track of all the spending. Sticking to a budget can make your whole life balanced and free from debt. It helps you keep a check on all the money you spend. One way to ease this is to keep cash instead of using cards so you always have an idea of the amount you’re spending.

Stay away from debt – Millionaires stay far away from debt. If they want something they can’t afford, they save and pay cash later. They refrain from anything that might lead to them owing the banks.

Related Topics

11 Habits of People Who Always Have Money
11 Habits of People Who Always Have Money
11 Smart Money Secrets from the Great Depression

Different savings accounts – You’re more likely to spend all your savings if you have just one account. A great idea would be to open up a separate bank account just for your savings. This way you won’t be able to access your savings while checking your normal account. It’ll keep your money out of sight and you’ll notice an increase in your savings.

Have an emergency fund – start saving and building up an emergency fund that covers at least 3-6 months of your expenses. An emergency fund is very useful if you have to face some unexpected circumstances in your life. It can even help you during the loss of a job or if your car breaks down.

Avoid wasting time – We’ve all heard “time is money,” but we never take it seriously. However, millionaires know this is true. They tend to utilize much of the time they have to invest in their future.

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Investment in retirement – Dave Ramsey fans are advised to save up to 15% of their household income towards investing in retirement. You should start with your company’s 401(k) plan and get the full employer match. This can really help you with life once you’re retired.

Be patient – One of the most important things you can do is to stay patient while building wealth. No one becomes a millionaire overnight. However, the key is to stick to earning, saving, and investing, and one day you’ll reach your financial goals.


Here are some habits of Dave Ramsay fans that’ll really help you in growing wealth and paying off debt. So give them a try and let us know what you think!

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Meet Silas & Grace

Silas and Grace always had a passion for travel. So in 2016, they started Chasing Foxes to build a independent income source. Then, 4 month after launch, they were making enough money from their blog to travel full-time. And in the past two years, they’ve been able to help others out in their own blogging journey to go after their passions as well. Read more.

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