We took the Dave Ramsey class in 2007. Paid off the debt. No more car payments. But the families monthly budget sheet was on paper and I didnt want to take it out of the binder or lose it. Watching Chris Hogans video "Its Not Okay" scared me back into Daves gazelle mode to save more for our retirement. So I started looking for apps to help with the monthly budget. Found YNAB, that was way too complicated and cost money. I deleted it & found Daves app. Didnt even know this app existed. Thank GOD I found EveryDollar. EveryDollar is a GAME Changer..! Easy, to the point, free with basic budget features and doesnt require an accounting degree to understand. Couples can share this to work together on the budget. Put your paychecks in, label what you need to pay and thats it. You can see what your spending and overspending on. You can set up account categories to save for each month. Your determination will get the debt paid down no matter what, but this app puts you in turbo-mode. I have told all my family, friends and co-workers, they love it. You can see what youre spending each month on eating out, coffee, groceries, car payments, tools etc. Its free. The learning curve is 1 day. After one day you got it. This isnt a game app, its a reality app. Download this app and empower your future. Stay Blessed.