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DAVE RAMSEY’S BABY STEPS

We use Dave’s baby steps as our basis for financial planning.

  1. Save $1,000 In An Emergency Fund
  2. Pay Off All Non-Mortgage Debt With The Debt Snowball
  3. 3 To 6 Months Expenses In Savings
  4. Invest 15% Of Income Into Retirement Plans
  5. College Funding
  6. Pay Off Your Home Early
  7. Build Wealth And Give

BIBLICAL FINANCIAL PRINCIPLES

  1. Understand that God owns it all

    “The earth is the Lord’s, and everything in it, the world, and all who live in it.”
    – Psalm 24:1 (NIV)

  2. Spend less than you earn

    “Dishonest money dwindles away, but whoever gathers money little by little makes it grow.”
    – Proverbs 13:11 (NIV)

  3. Avoid debt

    “The rich rule over the poor, and the borrower is slave to the lender.”
    – Proverbs 22:7 (NIV)

  4. Build liquidity (margin)

    “Go to the ant, you sluggard; consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest.”
    – Proverbs 6:6-8 (NIV)

  5. Set long-term goals

    “Look carefully then how you walk! Live purposefully and worthily and accurately, not as the unwise and witless, but as wise (sensible, intelligent people), making the very most of the time [buying up each opportunity], because the days are evil. Therefore do not be vague and thoughtless and foolish, but understanding and firmly grasping what the will of the Lord is.”
    – Ephesians 5:15-17 (AMP)

  6. Rejoice in generosity

    “But since you excel in everything – in faith, in speech, in knowledge, in complete earnestness and in the love we have kindled in you – see that you also excel in this grace of giving.”
    – II Corinthians 8:7 (NIV)

BIBLICALLY RESPONSIBLE INVESTING

We believe you can align your investments with your values, beliefs, and convictions. The link below provides more information on the subject of biblically responsible investing.

http://www.briinstitute.com/basis.htm

PLEASE NOTE: The information being provided is strictly as a courtesy. When you access this link you are leaving our website and you assume total responsibility for your use of the website you are linking to. We make no representation as to the completeness or accuracy of information provided at this website. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website.