I’ve spent 15+ years helping businesses grow — from Fortune 500 campaigns at Netflix and Meta to one-on-one financial coaching with families working toward debt freedom. What I’ve learned along the way is that whether you’re building a brand or a budget, the principles are the same: know your numbers, have a strategy, and don’t overcomplicate it.
This blog is where I share what’s actually working — for businesses and for real people trying to get ahead financially.
By Amber Otting | Ramsey Preferred Coach | May 12, 2026 What if the fastest path to your financial goals wasn’t earning more — it was simply stopping? That’s the premise behind the No-Spend Challenge, one of Dave Ramsey’s favorite tools for building what he calls “gazelle-like intensity.” The concept is simple: for one week…
Disclaimer: This post provides general educational information about investing and retirement planning. It is not intended as personalized financial, investment, or tax advice. Investing involves risk, including possible loss of principal. Past performance is not indicative of future results. Consult a qualified professional before making financial decisions. For personalized investment or tax guidance, please contact…
Baby Step 3. You paid off the debt. You fought through Baby Step 2 with gazelle intensity, knocked out balance after balance, and crossed the finish line. Now what? Now you build the wall. Baby Step 3 is your fully funded emergency fund — 3 to 6 months of expenses sitting in a separate savings…
Dave Ramsey’s Baby Step 2. Here’s a number worth sitting with. Total consumer debt in the United States hit a record $18.8 trillion at the end of 2025, according to the Federal Reserve Bank of New York. (source: The Motley Fool) That works out to an average debt of $105,056 per household — and that…
Let’s be honest. Most small business owners use AI the same way every single time — open a new chat, type a question, get an answer, close the tab, repeat tomorrow, and somehow explain the same context all over again from scratch. “I’m a small business owner who works with local clients and…” Sound familiar?…
