Key Points Ramsey’s debt snowball method targets smallest balances first to free up cash for larger debts. Traditional IRAs offer tax-deductible contributions. Roth IRAs provide tax-free growth and withdrawals. Charitable donations can be tax deductible and help reduce overall tax bills. Investors rethink ‘hands off’ investing and decide to start making real money If you do these five things, you will win with money 100% of the time, says Dave Ramsey. To do so: Have a written plan (a budget). ...