Nationally syndicated radio talk show host Dave Ramsey has plenty to say on the topic of personal finances. Listen to him for any length of time and you'll hear him talk about paying down debt, building wealth and "living like no one else so later you can live and give like no one else."

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Which Baby Step Are You On?

If you've spent any time listening to Dave Ramsey, you've undoubtedly heard him mention his 7 Baby Steps. According to Dave, this process is the key to taking control of your money and finding financial confidence.

The Ramsey Baby Steps:

• Baby Step #1: Save $1,000 as a starter Emergency Fund
• Baby Step #2: Pay off debt using the Debt Snowball method
• Baby Step #3: Finish your Emergency Fund: save to cover 3-6 months of expenses
• Baby Step #4: Invest 15% of your income for retirement
• Baby Step #5: Save for your children's college
• Baby Step #6: Pay off your mortgage
• Baby Step #7: Build wealth and give

The opinions expressed in this material do not necessarily reflect the views of LPL Financial. Investing involves risk, including the risk of loss. No strategy assures a profit or protects against loss. The examples provided were hypothetical and not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. The SmartVestor program is a directory of investment professionals. Neither Dave Ramsey nor SmartVestor are affiliates of Horizons Financial Group or LPL Financial.