Ramsey Solutions

What Ramsey Solutions does

Ramsey Solutions (legal entity The Lampo Group, LLC) is a privately held personal finance education and media company founded in 1992 by Dave Ramsey and headquartered in Franklin, Tennessee. The company operates a multi-platform content and education business built around the proprietary 7 Baby Steps methodology and debt snowball framework, delivered through The Ramsey Show (radio and podcast with 2.8B+ annual YouTube views), 19 national bestselling books, the EveryDollar budgeting app, the flagship Financial Peace University course, and the Ramsey+ premium subscription platform. It employs 1,001-5,000 people and reports approximately $300 million in annual revenue.

The product portfolio extends beyond personal finance into adjacent categories: EntreLeadership provides business coaching and training for small business owners, SmartDollar delivers corporate financial wellness to employers, Ramsey Education offers K-12 and homeschool curriculum, and RamseyTrusted operates a vetted network of 5,000+ real estate, mortgage, insurance, tax, and investment professionals who pay for Ramsey referrals. Media properties include The Dr. John Delony Show, The Rachel Cruze Show, George Kamel Channel, Smart Money Happy Hour, and Real Estate the Ramsey Way, distributed via radio syndication, podcasts, YouTube, and a dedicated Ramsey Network App. Live events (Money & Marriage Getaway, Live Like No One Else Cruise, Investing Essentials, EntreLeadership Summit) provide high-touch revenue and brand engagement.

The business model combines freemium acquisition (free EveryDollar tier, free calculators, free articles) with paid conversion into Ramsey+ subscriptions, course fees, book sales, ticketed events, B2B wellness contracts, and RamseyTrusted referral revenue. Growth is community-led and content-driven, with a US-only distribution footprint (international orders are explicitly not supported). Dave Ramsey controls voting shares while 99% of economic ownership resides in a Children's Trust established approximately ten years ago.

Name

Ramsey Solutions

Legal name

The Lampo Group, LLC

Website

https://ramseysolutions.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Personal Finance Education

NAICS

Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH)

akta.pro secondary industries

Personal Financial Management & Budgeting (PFM) (FSAGAAAH), Budgeting & Cash-Flow Management (FSAGADAA), Financial & Consumer Literacy (Banking, Credit, Contracts) (EDAAAAAG), Financial Planning Tools & Financial Coaching (Goal Setting, Apps, Advisors) (EDAAAJAN), Credit & Debt Management (Credit Scores, Loans, Repayment) (EDAAAJAC), Financial Coaching & Budgeting Advisory (FSAEAAAH)

Keywords

• Personal finance education
• Financial coaching services
• Budgeting software
• Business leadership training
• Financial content publishing

Headquarters

HQ city

Franklin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Ramsey+ Subscription: Premium membership platform providing access to Financial Peace University, EveryDollar premium features, coaching, and exclusive content. Subscription-based recurring revenue model.
2. Books and Publications: Sale of financial advice books by Ramsey personalities including The Total Money Makeover, Breaking Free From Broke, Baby Steps Millionaires, and others through the Ramsey Store.
3. Courses and Programs: Financial Peace University (in-person and self-study), EntreLeadership training programs for businesses, and educational curriculum for schools.
4. Live Events: Ticketed events including Investing Essentials ($199-$499), Money & Marriage Getaway ($749-$2,499), EntreLeadership Summit, and Live Like No One Else Cruise.
5. Digital Products and Downloads: E-books, audiobooks, digital courses, assessments (DISC, Get Clear Career Assessment), and conversation card products like Questions for Humans series.
6. Business Coaching: EntreLeadership Elite coaching for small business owners and corporate wellness through SmartDollar program.
7. Endorsed Service Providers: RamseyTrusted network of vetted real estate agents, mortgage originators, insurance agents, tax professionals, and investment advisors who pay for Ramsey endorsement.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels9 records

Core offering

Ramsey Solutions delivers biblically based personal finance education through the proprietary 7 Baby Steps framework and debt snowball methodology. The company monetizes this content across a multi-format ecosystem including Financial Peace University courses, Ramsey+ subscription, the EveryDollar budgeting app, branded podcasts and shows, books via Ramsey Press, live events, assessments, and a RamseyTrusted network of vetted financial professionals.

Product overview

Ramsey Solutions operates a platform-plus-modules architecture centered on personal finance education and behavior change. The core platform consists of The Ramsey Show (radio/podcast), the 7 Baby Steps framework, and EveryDollar (budgeting app), supported by Financial Peace University as the flagship educational course. The product portfolio extends across multiple modules: investment advisory (SmartVestor Pros), real estate services, insurance services, and tax services—all delivered through a vetted RamseyTrusted pros network. Additional modules include business leadership (EntreLeadership), employer wellness (SmartDollar), and faith-based education (Financial Peace for Churches, Ramsey Education Curriculum). The media ecosystem comprises multiple branded shows (The Ramsey Show, The Dr. John Delony Show, The Rachel Cruze Show, George Kamel Channel, Smart Money Happy Hour, Real Estate the Ramsey Way, The EntreLeadership Show, The Fine Print) accessible via the Ramsey Network App. Content products include the Questions for Humans conversation card series and Ramsey Press books (The Total Money Makeover, Baby Steps Millionaires, Breaking Free From Broke, Building a Non-Anxious Life, and others). The company also offers free calculator tools (debt snowball, budget, investment, retirement, mortgage, compound interest, net worth, student loan payoff, college savings) and premium subscription via Ramsey+. Live events include the Money & Marriage Getaway, Live Like No One Else Cruise, Investing Essentials virtual event, and EntreLeadership Summit. The Together App and DISC Assessment extend the platform into relationship and career development areas.

Differentiator

Problem solved

Functional benefit

Brands

• EveryDollar: Budgeting app built on Dave Ramsey's 7 Baby Steps plan
• Financial Peace University
• Ramsey Network
• RamseyTrusted
• EntreLeadership
• SmartDollar
• Ramsey Press
• The Ramsey Show

Products and services

• Ramsey+ Premium Subscription Premium subscription service providing unlimited access to Financial Peace University, EveryDollar premium features, and exclusive Ramsey content for individual consumers.
• Financial Peace University (FPU) Comprehensive personal finance course teaching budgeting, debt elimination, saving, and investing principles through video lessons, a workbook, and community support. Available in person, self-study, and through church licensing.
• EveryDollar Budget App Budgeting mobile and web application built on Dave Ramsey's 7 Baby Steps, enabling individual consumers to create budgets, track spending, and manage finances with free and premium tiers.
• EntreLeadership Business leadership coaching and training division for small business owners, including EntreLeadership Elite Coaching, the EntreLeadership Summit, the EntreLeadership Podcast, and the EntreLeadership Master Series.
• SmartDollar Corporate Wellness Employer-licensed financial wellness program that provides employees with Ramsey's personal finance education content as a workplace benefit, sold to corporate HR and benefits teams.
• Financial Peace for Churches Church-licensed version of Financial Peace University enabling faith-based organizations to offer the FPU curriculum to their congregations as a ministry and community service.
• Ramsey Education Curriculum K-12 and homeschool personal finance curriculum covering personal finance, economics, career discovery, and entrepreneurship, licensed to schools and homeschool families.
• SmartVestor Pros Network of vetted investment professionals who align with Ramsey's investing principles, connecting individual consumers with financial advisors for retirement and investment planning.
• RamseyTrusted Real Estate Services Referral network of vetted RamseyTrusted real estate agents and mortgage services for consumers buying or selling homes, supported by educational content and calculators.
• RamseyTrusted Insurance Services Referral network of vetted RamseyTrusted insurance agents offering home, auto, life, long-term care, disability, business, and umbrella insurance to individual consumers and small businesses.
• Ramsey Tax Services Tax preparation and planning services including Ramsey Tax Pros for small business accounting, plus a comprehensive Tax Guide with consumer tax resources.
• Questions for Humans Conversation Cards Physical conversation card decks created by Dr. John Delony, including themed editions for couples, friends, workplace, dating, parents and teens, designed to spark meaningful discussions.
• The Together App Mobile application developed by Dr. John Delony designed to help couples strengthen their relationships through guided exercises and conversation prompts.
• DISC Assessment Behavioral personality assessment that helps individual consumers and professionals understand their communication style and work preferences for career and relationship improvement.
• Get Clear Career Assessment Career assessment tool created by Ken Coleman that helps individual consumers identify their natural talents and find work they are wired to do.
• Money & Marriage Getaway In-person couples retreat focused on financial planning and relationship strengthening, with the Fall 2026 event priced from $749 to $2,499 depending on package.
• Investing Essentials Virtual Event Virtual event hosted by Dave Ramsey and George Kamel teaching investment strategies and wealth building, scheduled for September 1-2, 2026, priced from $199 to $499.
• Live Like No One Else Cruise Annual cruise event offering Ramsey financial education programming and networking opportunities with Ramsey personalities and fans.
• Ramsey Press Books Catalog of nationally bestselling books published by Ramsey Press by Dave Ramsey and Ramsey personalities (Rachel Cruze, George Kamel, Dr. John Delony, Jade Warshaw, Ken Coleman), including The Total Money Makeover, Baby Steps Millionaires, Breaking Free From Broke, and Building a Non-Anxious Life, sold direct-to-consumer.

Quantifiable outcome

• 34% of Americans describe their financial situation as 'struggling' or 'in crisis' according to Ramsey Solutions' State of Personal Finance Q1 2026 study
• +4 more outcomes

Named customers9 records

Segments7 records

Ideal customer profiles7 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• RamseyTrusted Pros NetworkcoreChannel Partner/ Reseller/ DistributorNetwork of 5,000+ vetted service providers (real estate agents, mortgage originators, insurance agents, tax professionals, investment advisors) who receive referrals from Ramsey Solutions and are promoted as trusted partners to Ramsey's audience.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• NerdWallet: Consumer financial education platform that drives revenue primarily through affiliate/referral lead generation across credit cards, banking, mortgages, and insurance. Closely mirrors Ramsey's education-plus-referral economics and audience demographic of middle-income Americans seeking financial guidance.
• Bankrate (Red Ventures): Long-running personal finance content and comparison site earning the majority of revenue through affiliate lead generation. Comparable in operating model — free editorial content monetized through financial product referrals — though less brand-driven than Ramsey.
• SmartAsset: Financial education and matching marketplace connecting consumers with advisors, financial products, and tax professionals via lead-generation/affiliate revenue. Closely analogous to Ramsey's SmartVestor/RamseyTrusted referral engine with similar middle-income targeting.
• YNAB (You Need A Budget): Subscription-based budgeting app and financial education program teaching zero-based budgeting. Directly competes with EveryDollar's budgeting functionality and Financial Peace University's curriculum, with a comparable subscription-first D2C model.
• Rocket Money (formerly Truebill): Subscription PFM app offering budgeting, bill negotiation, and subscription management with a freemium-to-premium conversion model. Overlaps directly with EveryDollar and competes for the same budgeting-conscious consumer dollar.
• Suze Orman: Personal finance media personality and bestselling author with a long-running brand built around financial empowerment, books, courses, and endorsed products. Closely comparable as a personality-anchored personal finance media and education brand.
• Ramit Sethi (I Will Teach You To Be Rich): Personal finance educator selling books, courses, podcasts, and a flagship premium program (Ramit's Rich Life). Direct competitor to Ramsey+ and Financial Peace University with similar creator-led education-plus-paid-product model.

Broad incumbents

• Credit Karma (Intuit): Free personal finance platform monetized via lead generation to credit card, loan, and insurance products. Operates Ramsey's same content-to-affiliate flywheel but at much larger scale, owned by Intuit, and increasingly bundled with TurboTax.
• Tony Robbins (Personal Finance / Unshakeable): Mega-influencer selling premium live events, courses, and books including the Unshakeable personal finance program. Comparable in monetizing a personality brand through high-ticket live events, courses, and premium content at scale.
• Mint (Intuit, historical): Once a leading free PFM/budgeting app inside Intuit's portfolio, directly competing with EveryDollar's free tier on transaction tracking and budgeting. Useful as a historical benchmark for freemium PFM unit economics and the challenges of converting free users to paid.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/RamseySolutions
• YouTubeyoutube.com/user/DaveRamseyShow
• Facebookfacebook.com/DaveRamsey
• Instagraminstagram.com/ramseysolutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ramsey Solutions