Quick Read Ramsey requires 3-6 months of expenses in cash before investing to avoid high-interest debt during emergencies. Parking $30,000 in savings at 4% provides safety but sacrifices higher long-term returns from investing. The framework suits variable income households more than those with stable dual incomes. Investors rethink ‘hands off’ investing and decide to start making real money Dave Ramsey, the personal finance author and radio host, has built a following around his 7 Baby Steps fra ...