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5 Ordinary Habits That Will Build Extraordinary Wealth, According to Dave Ramsey

Brooke Barley

Sun, September 20, 2026 at 8:00 PM GMT+3 3 min read

Dave Ramsey doesn't believe in complicated financial formulas or get-rich-quick schemes. On a recent episode of The Ramsey Show, the financial guru laid out five surprisingly straightforward moves that can build serious wealth over time. The best part? Most of them are habits you can start implementing this week.

From income strategies to retirement planning, Ramsey's advice is refreshingly practical. Here's how to make ordinary habits work extraordinarily well for your wallet.

Get a Side Hustle While Your Business Ramps Up

When a caller asked how he and his wife could earn money while launching careers as a pilot and esthetician, Ramsey had a straightforward answer: get a side gig. Not as a temporary band-aid, but as your primary income while your passion projects gain traction.

Jade Warshaw, a Ramsey Solutions Master Financial Coach and show host, put it bluntly: "It's almost like you need another full-time job and that thing is a side hustle until it builds up to be the main job."

The strategy flips the script on the starving entrepreneur narrative. You're building financial stability while pursuing your real goal, not betting the farm on it.

When Contributing to Retirement, Think About the Long-Term

Your financial adviser might push you toward a traditional 401(k) for the immediate tax break, but Ramsey argues that's short-term thinking. With a traditional account, you'll pay taxes on withdrawals in retirement — potentially at a higher rate than you're paying now. A Roth 401(k)? You pay taxes upfront, then let it grow completely tax-free.

Another benefit is that there are no mandatory withdrawals. As Ramsey pointed out, "I'm 65. I've got millions of dollars in Roth IRAs and 401ks. And I'm not going to have to draw any of it at 72 and a half on required minimum distributions, RMDs. And when I die, it passes to my heirs with no income tax."

Invest in Mutual Funds

Picking individual stocks is a gamble most people shouldn't take. Instead, Ramsey recommended spreading your money across diversified mutual funds that do the heavy lifting for you.

"Be in good growth stock mutual funds. Something like an S&P 500," he advised. It's simple, it works and you can stop losing sleep over which stock picks to chase.

Don't Pull Out of Investments Too Early

Here's where most people sabotage themselves: as soon as the market dips, they panic and pull their money out. Don't.

Ramsey was direct with one caller: "You're going to have a million bucks if you move it into good growth stock mutual funds and you keep adding to good growth stock mutual funds for the next five years. Don't take it out."

Timing the market is a fool's game. Consistency beats panic every time.

When Investing, Think About the Rule of 72s

If you want a shortcut to estimate how long it takes your money to double, Ramsey shared a simple formula: divide 72 by your interest rate. That will tell you how long it will take a lump sum to double. A 10% return? Your money doubles in roughly 7.2 years. It's a useful mental math tool when you're strategizing how much you could accumulate over the next decade.

For a more detailed game plan, the Ramsey team recommends using the Ramsey Retirement Calculator to map out your specific retirement target and how much you need to save monthly to hit it.

The Bottom Line

None of these moves are flashy. There's no app, no cryptocurrency and no overnight success story. What Ramsey laid out is the financial equivalent of eating your vegetables — boring, proven and surprisingly effective. Extraordinary wealth isn't built on one bold move. It's built on ordinary habits repeated for decades.

This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.

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