💵 Sign up for EveryDollar today to create a free budget! https://ter.li/hlpt47 What if your goal to become debt-free in 2025 is closer than you think? In this episode, you’ll learn how to finally ditch your debt in the new year with six action steps you can start today. Next Steps: 🎥 Watch my video 10 Mistakes That Can Derail Your Debt Payoff: https://www.youtube.com/watch?v=LXW_dVbJ-W8 💰 Find extra money with the Money Finder Challenge: https://ter.li/wpz5mr Connect With Our Sponsors: 🏥 Learn more about Christian Healthcare Ministries today! ⮕ https://www.chministries.org/budget 🔒 Get 20% off your DeleteMe plan when you join. ⮕ https://www.JoinDeleteMe.com/Rachel Listen to More From Ramsey Network: 🍸 Smart Money Happy Hour ⮕ https://ter.li/dorhqm 🎙️ The Ramsey Show ⮕ https://ter.li/255573 💸 The Ramsey Show Highlights ⮕ https://ter.li/hiyq7n 🧠 The Dr. John Delony Show ⮕ https://ter.li/htmm6g 💰 George Kamel ⮕ https://ter.li/d9vd8q 🪑 Front Row Seat with Ken Coleman ⮕ https://ter.li/x5oun6 📈 EntreLeadership ⮕ https://ter.li/bz63zt Ramsey Solutions Privacy Policy: https://www.ramseysolutions.com/company/policies/privacy-policy Products: EveryDollar Premium Version Physical Gift Card: https://store.ramseysolutions.com/money/tools-and-apps/everydollar-premium-version-physical-gift-card/?utm_medium=product_shelf&utm_source=youtube I'm Glad for What I Have by Rachel Cruze: https://store.ramseysolutions.com/youth/children/im-glad-for-what-i-have-by-rachel-cruze/?utm_medium=product_shelf&utm_source=youtube Know Yourself, Know Your Money: https://store.ramseysolutions.com/money/books/know-yourself-know-your-money-by-rachel-cruze/?utm_source=youtube&utm_medium=product_shelf Smart Money, Smart Kids: https://store.ramseysolutions.com/money/books/smart-money-smart-kids-by-dave-ramsey-and-rachel-cruze/?utm_source=youtube&utm_medium=product_shelf The Total Money Makeover: https://store.ramseysolutions.com/money/books/the-total-money-makeover-by-dave-ramsey/?utm_medium=product_shelf&utm_source=youtube Financial Peace Kids: https://store.ramseysolutions.com/youth/children/financial-peace-kids/?utm_medium=product_shelf&utm_source=youtube Questions for Humans: Couples: https://store.ramseysolutions.com/personal-growth/conversation-cards/questions-for-humans-couples/?utm_medium=product_shelf&utm_source=youtube Breaking Free From Broke: https://store.ramseysolutions.com/money/books/breaking-free-from-broke-by-george-kamel/?utm_medium=product_shelf&utm_source=youtube I'm Glad for Where I Am: https://store.ramseysolutions.com/youth/children/im-glad-for-where-i-am-by-rachel-cruze/?utm_source=youtube&utm_medium=product_shelf I'm Glad When I Can Share: https://store.ramseysolutions.com/youth/children/im-glad-when-i-can-share-by-rachel-cruze/?utm_source=youtube&utm_medium=product_shelf Know Yourself, Know Your Money Hardcover: https://store.ramseysolutions.com/money/books/know-yourself-know-your-money-by-rachel-cruze/?utm_source=youtube&utm_medium=product_shelf Baby Steps Millionaires: https://store.ramseysolutions.com/money/books/baby-steps-millionaires/?utm_medium=product_shelf&utm_source=youtube