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Bill has been a long time listener of Dave Ramsey and his philosophy. When Bill learned about the Smartvestor Pro’s, he was eager to help people through the Dave Ramsey philosophy of the Seven Baby Steps, toward financial freedom.
Baby steps one through three should be completed before reaching out to a SmartVestor Pro. Baby step one is pretty straight forward, save up $1,000 for your emergency starter fund. Step two requires a little more work, pay off all debts outside your home mortgage. Dave advocates toward the debt snowball method, to pay down your debts, this method has a consumer behavioral psychology component that encourages this behavior. Once you get these debts out of the way it’s time to build up an emergency fund. Three to six months’ worth of living expenses are important to have on hand to avoid putting money on a credit card.b
The Smartvestor Program is a directory of investment professionals. Neither Dave Ramsey nor Smartvestor Pro are affiliates of Rightirement Wealth Partners, Independent Advisor Alliance, or LPL Financial.
The Baby Step philosophy is a general guide and may not be suitable for your individual needs. Please contact a financial professional before taking any financial actions.