Ramsey Solutions

More than 30 years ago, Joe Mains and his wife discovered Dave Ramsey's teachings on a clearance rack cassette tape, a moment that forever changed their finances, marriage, and future. In this personal story, Joe shares how the same principles that helped him win with money recently inspired a life-changing health transformation and why lasting change begins when you're truly "sick and tired of being sick and tired."

Is debt consolidation really the answer to financial stress? In this edition of Investment Corner, Financial Advisor and Certified Ramsey Solutions Master Financial Coach Joe Mains shares why lasting financial peace comes from changing behaviors—not simply moving debt around—and how the debt snowball method can help families regain control of their finances.

Buying a home is a major financial decision influenced by interest rates, housing prices, and your personal readiness. While market timing matters, the best time to buy is when you're financially prepared—debt-free, with a full emergency fund, and savings for a down payment. Follow Dave Ramsey’s Baby Steps and consider your long-term goals. For personalized guidance, speak with a Whitaker-Myers financial advisor today.

Baby Step 4 of the Ramsey Plan recommends saving 15% of your gross income for retirement. This guide explains how to structure those savings using a 401(k), Roth IRA, or taxable brokerage depending on your income, filing status, and employer plan access. Key rule: “Match beats Roth, Roth beats Pre-Tax.” Whether you're single or married, with or without a plan, there’s a strategy to fit your situation. Consult a financial advisor to create a plan that works for you.

Tax loss harvesting helps offset gains by selling investments at a loss, reducing taxes in taxable accounts. Retirement accounts like IRAs and 401(k)s are tax-favored and don’t require this strategy. For maxed-out retirement savings, consider taxable accounts. Consult financial advisors to navigate tax loss harvesting effectively and avoid costly mistakes. Need guidance? Contact our Whitaker-Myers team to optimize your investment strategy.

A home purchased with CASH While driving to the gym this morning, I turned on “The Ramsey Show’s Highlights” for 8/26/24 and listened to...

Activate Baby Step 5. Your mission, should you choose to accept it is to create financial independence for yourself by saving 15% of your...

That's right! For those of you with kids that are nearing college or college planning has been in your mind lately - it's a two-for July!...

Things like a savings rate for retirement seem so trivial in the grand scheme of life, right? I’m reminded of that as I watched my...

Lately I’ve been engrossed in the world of watching my LinkedIn feed. Now, remember, LinkedIn is supposed to be the anti-Facebook social media website. Anti-social media in the sense that for busy professionals, it’s a way to share their expertise in a given area, congratulate other professionals on their success regarding awards and promotions, and even learn something along the way with tools such as LinkedIn Learning. However, lately, it’s been a barrage of me watching some of my bolder...

Technology has improved almost every area of our lives – why can’t it improve our investing? For those of us, that subscribe to the Dave...

It’s a rainy Sunday, and there’s not much to do – no swimming, no basketball with my son, and we just enjoyed a wonderful lunch at The...