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 thatContinue reading “The Debt Snowball — Why the “Wrong” Math Is Actually Right”