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The 7 Baby Steps are the proven plan to paying off debt, saving money, and building wealth. And they work. If you want to do better, be better, and live better with money, you might not know where to start. You might feel overwhelmed, like you’re staring up at a mountain of hard work. But how do you climb a mountain? One (baby) step at a time ...
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A budget is not a price. And most people asking for one have no idea what they just asked for. Here is what happens. You walk up to a builder and say, can you give me a budget? So he gives you one. A number based on square footage, a guess at your finishes, and whatever he assumes you want. That is all a budget is. An educated guess on incomplete information. Then you treat that guess like a price. You plan your life around it. And when the real number shows up later, you feel lied to. It gets w
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