Zero-based budget
BudgetEvery dollar gets a job before the month starts.
- Builds category budgets from your last 90 days of real spending
- Flags every dollar without a job before the month starts
- Texts you when a category is on pace to break
The Ramsey Show
Dave Ramsey
Get out of debt first. Everything else waits.
14,200 people run this system with Flip
The system
5 habits. Copy once, Flip runs them for you.
Debt snowball
ReminderPay minimums on everything, then attack the smallest debt with everything you have.
- Orders your debts smallest to largest automatically
- Texts the exact attack payment on the 1st of each month
- Rolls each cleared payment into the next debt
No new debt, period
Live alertIf you cannot pay cash for it, you cannot afford it.
- Watches every account for new financing charges
- Texts you the moment a BNPL plan appears
- Shows the true cost of the payment plan
$1,000 starter emergency fund
ReminderA starter emergency fund comes before any extra debt payment.
- Tracks the fund balance across your accounts
- Nudges you weekly until it hits $1,000
- Flags any withdrawal that touches the fund
Audit the leaks
Scan lensSmall recurring waste is what keeps people broke.
- Hunts dead subscriptions and recurring fees
- Adds up impulse categories like a budget review would
- Sends a monthly keep-or-kill list
What Dave's scan looks for
- Every debt, ordered smallest to largest
- BNPL plans and new financing charges
- Recurring subscriptions you stopped using
- Whether an emergency fund exists at all
Running it in real life
2 of 4
debts cleared in 5 months
The scan found $228/mo of dead subscriptions and fees, and re-ordered his 4 debts into a snowball. Flip texts him the attack payment on the 1st and flags any new financing the day it appears. Two debts gone in 5 months.
— Marcus, 27 · Three credit cards, a car loan, and no plan
Copy the system, connect your accounts, and see what Dave would fix.
Copy Dave's system