Who is Ramsey Solutions for?

First-time budgeters Debt payoff beginners Dave Ramsey fans Employers buying financial wellness (SmartDollar)

Who is Ramsey Solutions not for?

Experienced investors wanting nuance Anyone wanting fee-only fiduciary advice People unwilling to pay for basic budgeting Credit card users who reject the no-debt method

shouldiuse.io

Ramsey Solutions Review

Depends

Should I use Ramsey Solutions?

Learn to budget, beat debt, save and invest with Ramsey Solutions, founded by Dave Ramsey, bestselling author, radio host and America's trusted voice on money. - ramseysolutions.com

Analyzed October 14, 2026 · 2 days ago

Buy Ramsey+ if you are a debt-payoff beginner who follows Dave Ramsey's method. Skip it if you want fee-only fiduciary advice, investing nuance, or free tools.

Confidence

Medium. Based on 14 public sources. Product pricing details were scarce in the evidence.

Ratings

Value for money
Ease of use
Feature depthNo product feature evidence found
Support quality
Security posture

Pricing

EveryDollar Free

ModelNot disclosed

Monthly feesNot disclosed

HardwareNot disclosed

Free tierYes

Ramsey+Not published in reviewed sources

Best for

First-time budgeters
Debt payoff beginners
Dave Ramsey fans
Employers buying financial wellness (SmartDollar)

Not for

Experienced investors wanting nuance
Anyone wanting fee-only fiduciary advice
People unwilling to pay for basic budgeting
Credit card users who reject the no-debt method

Gotchas - check before you buy

medium

Ramsey+ pricing is not published in the reviewed sources. Confirm the current membership cost before subscribing.

medium

BBB complaints suggest buyer disputes happen. Check refund terms first.

low

SmartDollar is sold through employers. Individuals buy Ramsey+ instead.

Pros

Free EveryDollar version covers basic budgeting.
G2 lists 600 reviews across Ramsey products.
SmartDollar serves employers through a dedicated corporate wellness program.
Account sign-in supports passkeys.
Free podcast delivers the core money advice at no cost.

Cons

Faces a $150M lawsuit for promoting a company accused of fraud.
Named in a $1.09M TCPA class action settlement.
BBB page lists buyer complaints.
Reddit threads call some products overpriced.
Only 2 Trustpilot reviews exist, so independent feedback is thin.

Sources & method

Analyzed October 14, 2026 - 14 sources - No known vulnerabilities found in the sources reviewed.

official x5review x6security x1news x2

Key stats

Value for money: 2/5
Rating
$0
Starting price
14
Sources
October 14, 2026
Analyzed

Value for money: 2/5. Reddit and BBB complaint threads question paid product value
Ease of use: 4/5. Guess: EveryDollar is widely known as a simple budgeting app
Feature depth. No product feature evidence found
Support quality: 2/5. BBB complaint page signals buyer disputes
Security posture: 3/5. Public security page plus passkey support, no findings

600+ G2 reviews Across Ramsey Solutions products
Yes Free tier EveryDollar free budgeting version
1992 Founded As The Lampo Group
2 Trustpilot reviews Very thin independent buyer feedback

Pricing

EveryDollar Free

Basic budgeting app

Ramsey+

Not published in reviewed sources

EveryDollar premium
Financial Peace University access

Security

No known vulnerabilities found in the sources reviewed.

What users say

feedback splits: G2 lists 600 product reviews, while Reddit threads and BBB complaints question product value and company conduct.

Alternatives

Compare Ramsey Solutions with each alternative.

YNAB
Guess: stricter budgeting app many prefer over EveryDollar.
Ramsey Solutions vs YNAB
Penny
Free budgeting app compared head-to-head with EveryDollar.
Ramsey Solutions vs Penny
LearnLux
Employer financial wellness alternative to SmartDollar.
Ramsey Solutions vs LearnLux

The Ramsey Show podcast
The free podcast delivers the core advice without Ramsey+ fees.
Ramsey Solutions vs The Ramsey Show podcast

Companies that use it

Somerset High School¹³

Full analysis

Based on 14 public sources. Product pricing details were scarce in the evidence.

Solid debt-payoff coaching for beginners; experienced investors and skeptics do better with free apps or fiduciary advice.

Methodology

Based on 14 public sources. Product pricing details were scarce in the evidence.

Read how a report is made.

Sources

Ramsey Solutions Products on G2g2.com
review
Ramsey Solutions BBB Complaintsbbb.org
review
Worst Ramsey Solutions Product/Scam? : r/DirtyDavereddit.com
review
Trustpilot reviews of ramseysolutions.comtrustpilot.com
review
Ramsey+ Review: Financial Peace University and Morewallethacks.com
review
Dave Ramsey faces $150 million lawsuitarda-roc.org
news
Ramsey Solutions $1.09M TCPA Class Action Settlementclaimdepot.com
news
Ramsey+ budget pageramseyplus.com
official
SmartDollarramseysolutions.com
official
Passkeys at Ramsey Solutionshelp.ramseysolutions.com
official
Ramsey Solutions product security pageramseysolutions.com
security
Ramsey Solutions - Wikipediaen.wikipedia.org
official
Somerset High School Case Studyramseysolutions.com
official
LearnLux vs SmartDollar comparisonrfp.wiki
review

Add this review to your site

This check for Ramsey Solutions says Depends.

Put the badge on your site.

Visitors see the independent review.

The link points here, and search engines follow it.

This is the badge visitors see on your site.

Depends Ramsey Solutions Independent review on Should I Use It

Badge code

<!-- Should I Use It badge. Keep this link. -->
<a href="https://shouldiuse.io/r/ramseysolutions" target="_blank" style="display:inline-flex;flex-direction:column;align-items:flex-start;gap:8px;max-width:420px;box-sizing:border-box;padding:14px 16px;border:1px solid #d5dde4;border-radius:14px;background:#ffffff;color:#111111;font-family:Segoe UI,system-ui,sans-serif;line-height:1.25;text-decoration:none;box-shadow:0 8px 20px rgba(17,17,17,0.08);">
  <span style="display:flex;align-items:center;gap:10px;min-width:0;">
    <span style="display:inline-flex;align-items:center;flex:0 0 auto;border-radius:999px;padding:4px 10px;font-size:11px;font-weight:700;letter-spacing:0.06em;text-transform:uppercase;line-height:1.3;background:#fef7e0;color:#7a5510;">Depends</span>
    <span style="font-size:15px;font-weight:700;color:#111111;overflow-wrap:anywhere;">Ramsey Solutions</span>
  </span>
  <span style="font-size:12px;font-weight:500;color:#516271;">Independent review on Should I Use It</span>
</a>

Text link

<a href="https://shouldiuse.io/r/ramseysolutions">Ramsey Solutions review on Should I Use It: Depends</a>

Paste one snippet. Keep the link as it is. A nofollow tag stops search engines from following it.

Rate this review

Anonymous. You can change your vote.

Loading votes…

Comments

One queue. No nested comments. Give a display name first. Limit: 200 words per comment and 7 comments per day. You can edit or delete yours.

No comments yet.

Categories

Ramsey Solutions Review

Confidence

Ratings

Pricing