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Ramsey+ Review | Is Dave Ramsey's Ramsey Plus Membership Worth It? - YouTube
Channel: Morgan Stradling
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Show me the money.
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Oh, wait, you don't have any money.
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"OooOoo, money, money, money."
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That's where Ramsey plus is going to help
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Money struggles are universal.
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Whether it's for you and your family, for
your business, or you're a YouTuber and you're
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trying to figure out how to make money or
how to get out of debt.
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It can be really, really stressful.
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So that's why I'm excited in today's video
to talk about a money management resource
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called Ramsey Plus.
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Specifically, I'm going to talk about: 1.
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What is Ramsey+?
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2.
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I'm going to give a deep dive into all of
the different aspects of Ramsey plus.
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3.
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And I'm going to give my honest review and
opinion of the service.
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Now, full disclosure: I was gifted a one-year
membership to Ramsey plus by the Ramsey Solutions
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team.
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This was in exchange for my complete honest
review.
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So don't worry.
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I'm gonna be giving the pros and the cons.
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What I like, what I don't like, but what is
even better is they also gifted me two one-year
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memberships to give to you guys.
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So if you want to win, make sure to give this
video a like, subscribe to my channel and
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watch the entire video for the secret code
word, which you will use to enter the giveaway.
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So without further ado, let's jump into Ramsey
plus.
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So first, what is Ramsey Plus?
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Ramsey+ is an all-access membership to the
best money tools, apps, and courses that comes
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from Dave Ramsey and his team at Ramsey Solutions.
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If you're not familiar with Dave Ramsey or
uncle Dave, as I like to call him, he basically
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is one of the biggest financial gurus in the
world.
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And there's a reason for it.
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Over the years through his plan, he has helped
people pay off hundreds of millions of dollars
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of debt.
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So yeah, his plan works.
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And what I love about it is that it's so simple,
it's easy.
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And he has broken it down into these things
called the baby steps.
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Now these are things that he teaches in his
books (the Total Money Makeover) and on his
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podcast and in Ramsey Plus, so let's dive
into Ramsey+ right now.
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So Ramsey Plus is a website portal where you're
able to go and there are three different sections
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to this: learn, budget, and track.
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In the learn section, this is where you have
access to all of his different courses over
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the years.
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And there are different courses depending
on where you are in your financial journey,
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whether you are just started out and you have
no idea how to get out of debt and how to
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budget, or maybe you are out of debt and you
want to start building wealth.
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Wherever you are, these courses will help
you get there.
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But my favorite course in Ramsey plus is Financial
Peace University or FPU.
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I think it's really cool that they included
Financial Peace University in here.
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Because back in the olden days, you would
have to go, you'd have to pay $129 to take
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Financial Peace University at your local church
or community center.
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But what's really amazing about the way that
Financial Peace University is done through
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Ramsey Plus is that you still have the option
to go and take it in person.
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Or if you're not comfortable with that, or
you don't have the time, then you can take
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it online.
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Whether you're taking FPU in person or virtually,
you are going to meet once a week with a group
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of like-minded people, people who are on the
same journey as you, you have an instructor
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who leads the class, who teaches the principles,
and then you meet for nine weeks.
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And Financial Peace University really is their
flagship product.
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So I love that there are so many options for
people to take it.
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And what's really cool and encouraging about
Ramsey Plus is that on average during the
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first 90 people pay off $5,300 in debt and
they saved $2,700.
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During the first 90 days!
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So if you're struggling with money, this is
the roadmap.
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This is the formula that will get you there.
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For Financial Peace, not only can you access
it on the website, but they also have a Financial
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Peace University app.
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All right.
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So let's move into the second part of Ramsey+,
and that is the budget section.
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So with the budget section, you get one year
access to the premium version of Every Dollar
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(Every Dollar Plus).
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Like I said before, I absolutely love Dave
Ramsey and I love Every Dollar.
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And actually one of the very first videos
on my channel was a full review and demo of
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how to use the EveryDollar app.
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So definitely check that video out.
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Now, there is a free version of E.ryDollar
and there is the premium version of EveryDollar
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(Every Dollar Plus) and with the premium version
of EveryDollar, that's where you'll be able
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to connect it with your various bank accounts.
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So that way you can automatically import your
various transactions.
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The free version of every dollar.
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It doesn't do that.
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You have to manually put in all of your transactions.
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And that can definitely add up over a month's
time and take a lot of time.
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So you save so much time by just using the
premium version.
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And to purchase a standalone membership to
every dollar premium.
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It will be over $100 per month.
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So not only are you getting Financial Peace
University, you're getting the premium version
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of EveryDollar.
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You're getting so much more bang for your
buck than if you were to buy each of these
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individually.
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And now to the third part of Ramsey+, which
is the track section.
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Basically this is the baby steps, which is
so important, no matter where you are in your
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financial journey, you are going to be on
one of these seven baby steps.
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So through the website, you're able to put
which baby step you're on and you're able
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to track your progress.
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So if you're in baby step one, that is save
$1,000 in your emergency fund.
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And so you'll be able to track, "okay, I have
$500" and each time that you are adding more
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money to your emergency fund, you can track
that there.
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They also have a corresponding app was you
can do it on that app.
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So not only do you have this website portal,
but you have the three different apps that
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are all included.
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You have Financial Peace University app, you
have EveryDollar Plus app, and then you have
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the Baby Steps app.
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Another really cool feature of Ramsey Plus
is they have these action steps at the top
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of the page that help keep you accountable.
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They help keep you on track.
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So over the course of 12 weeks, you can set
up to 10 different action steps.
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And these things are very small.
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Dave Ramsey is all about baby steps.
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So they are broken down into little bite-sized
pieces.
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For example, watch video, one of the jumpstart
program, open a savings account, find out
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what baby step you were on.
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These are very, very small, but it makes it
very attainable, which I really, really love
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because if you are in debt or you're just
getting started on managing your money, this
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all can be really overwhelming.
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It can be a lot and they know that.
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And so they've just chunk it down for you
that way it's super easy and attainable to
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do.
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And who does it like to check off an action
step every time they do it.
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There also is this member benefits section,
and it has a whole bunch of other perks.
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For example, you can file your federal taxes
for free using Ramsey SmartTax.
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You can make your will and get discounts on
the MamaBear legal forms.
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You get a free audio book.
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And the last one is you get to talk with a
financial coach for free.
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So what this talk to a coach section is, is
you fill out this form and then you get to
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have a free 15-minute coaching consultation.
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About three different coaches will reach out
to you.
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You can have your free consultations to talk
about your money and where you're at.
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And then after that free call, you can then
sign up for one of their coaching programs,
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which is an additional fee.
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So it really, this is just a feeder into the
Ramsey Preferred Coach program, which is totally
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fine.
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If you've gone through Ramsey Plus, and maybe
you've gone through Financial Peace and you
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still need additional help through a coach,
this is a great way.
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And I love that.
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It's a way that you can go through someone
who's certified in the Ramsey method.
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So they're not trying to teach you other principles
that maybe don't align with what you learned
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here in Ramsey.
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Plus now for my final thoughts on Ramsey+.
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I think Ramsey plus is a must have for anyone
who is just getting started out on their financial
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journey, whether you are just getting started
out on managing money, or you have a lot of
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debt, or you just want to change your view
of money and you want to be more financially
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free Ramsey Plus is definitely for you.
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I think Ramsey plus is now my go-to wedding
gift for anyone who's getting married, because
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we all know that money problems and struggles
are the number one cause of divorce.
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And a lot of times when two people are coming
together and getting married, they have completely
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different views and mindsets on money.
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And through Ramsey Plus it can help couples
and people get on the same page and it helps
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them work towards a goal, which is financial
freedom.
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It's not just get out of debt, i's not just
pay off your house; the ultimate goal is to
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build wealth and give.
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That is baby step number seven.
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I was really impressed with how everything
was laid out.
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It is really simple to navigate.
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And overall, I just love that you have the
freedom to choose in-person Financial Peace
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or online.
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I love that.
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And I think Financial Peace really is the
core parts to having success in the Dave Ramsey
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plan.
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And then they do pair that with the apps that
make that possible.
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I am the biggest proponent of Every Dollar
in the world.
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So even if you just wanted to buy Every Dollar,
you should just buy the membership to Ramsey+
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because why not?
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It's the same price and you get all of these
other things.
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You get all the free courses, you get the
videos, you get it, you get it all.
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So now if you're interested in checking out
Ramsey Plus I have a link down below, so you
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can get a 14-day free trial.
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So you can test it out to see if it's for
you to see if you like it.
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To try out the app, to check out some of the
lessons.
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And as far as pricing goes, it's pretty reasonable
for a three month membership.
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It's $59.99 for a six-month membership.
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It's $99.99.
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And obviously the best value is a 12-month
membership at one $29.99.
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Now I get it, if you're in debt, that might
seem a lot, but I'm telling you just the budgeting
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app alone saves myself at least a hundred
dollars a month because I'm tracking my money.
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I'm conscious with my money and I know where
everything is going.
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So for me, paying for this membership is a
no brainer because I save that much money.
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Literally I saved that money in my bank account
and more just by using their apps.
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All right.
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So now for the big giveaway!
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Like I mentioned before, I have two one-year
memberships of Ramsey+ to give away and I
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am so, so, so excited.
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So all you have to, to enter is to like this
video, subscribe to my channel and leave a
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comment down below, letting me know why you
would want to win this one-year membership
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to Ramsey Plus.
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Another big, thank you to the Ramsey Solutions
team for allowing me to have a membership.
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So I could try this out and give you guys
my review.
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But before I go, if you're still interested
in more check out this review of the every
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dollar app, this is a super in-depth tutorial
on how to use the app, how to budget, how
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to get started.
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So check that out right now.
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That's all I have for today and I'll see you
next time.
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There was a plane flying overhead, but my
favorite course in financial peace university,
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I gave it away.
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I was playing very loud playing at that.
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I will take a sippy sip.
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To purchase, the standalone version of the
premium version.
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That's a lot of versions.
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No whistling!
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I don't know what's happening.
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There's just so many noises.
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