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TRAVELER SUPPORT

Caribbean Cruise

Live Like No One Else Cruise with Dave Ramsey

Mar 22 - 29, 2025.

STARTING AT

PER TRAVELER

SPECIAL GUESTS

Dave Ramsey

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855 680 0550

Dave Ramsey Cruise

  • HEADLINERS & GUESTS
  • DESTINATION & ITINERARY
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  • ADDITIONAL OPTIONS

Wooden path leading to the beach

SAIL WITH DAVE RAMSEY ACROSS THE CARIBBEAN AND CELEBRATE YOUR DEBT FREEDOM

A note from dave ramsey.

You’ve followed the Baby Steps, sacrificed to pay off debt, and built your emergency fund. You’ve lived like no one else, so now you get to live and celebrate like no one else! Way to go, hero! I’m so proud of you. You’re an inspiration. It’s time to enjoy the money you worked so hard for. The 2025 Live Like No One Else Cruise will be a celebration of you!

Join me and Ramsey Personalities Rachel Cruze, Dr. John Delony, Ken Coleman, George Kamel and Jade Warshaw as we celebrate living like no one else! Take the vacation you’ve always dreamed of as we sail across the Caribbean on the beautiful Nieuw Statendam.

We’re stopping in Turks and Caicos, St. Thomas, San Juan and Half Moon Cay in the Bahamas, with awesome things to do at each port and all-out Ramsey-style entertainment on board.

We’re bringing some of our friends along, including Christian music superstar Steven Curtis Chapman and Food Network star Maneet Chauhan.

We’re going to have some serious fun, and I can’t wait to celebrate with you. This is a trip you don’t want to miss!

Aerial view of a beach, palm trees and the ocean

Dave Ramsey

Rachel Cruze

Rachel Cruze

Steven Curtis Chapman

Steven Curtis Chapman

Maneet Chauhan

Maneet Chauhan

John Delony

Dr. John Delony

Deane Carter

Deana Carter

Jade Warshaw

Jade Warshaw

Stephen Bargatze

Stephen Bargatze

Ken Coleman

Ken Coleman

Wynn Varble

Wynn Varble

George Kamel

George Kamel

Phil O'Donnell

Phil O’Donnell

Darren Whitehead

Darren Whitehead

Richard Green

Richard Green

Eddie Culin

Eddie Culin

Joe Leavitt

Joe Leavitt

Carollyn Xavier

Carollyn Xavier

Dave Ramsey, a celebrated personal finance expert, has transformed millions of lives as the host of The Ramsey Show , through his four-time #1 national best-selling books and as CEO of Ramsey Solutions. With a blend of wisdom, empathy and practical advice, Dave's philosophy of debt-free living and wealth-building has resonated widely, earning him a revered spot in the hearts of those seeking financial freedom. His teachings, encapsulated in the 7 Baby Steps, inspire and guide individuals toward fiscal responsibility and prosperity.

Rachel Cruze, a two-time #1 national bestselling author and financial expert, is known for her empowering approach to personal finance. As the host of The Rachel Cruze Show and co-host of Smart Money Happy Hour , she has been with Ramsey Solutions since 2010, helping people take control of their money and create a life they love. With a Bachelor of Science in Communication Studies from the University of Tennessee, Rachel's philosophy centers around achieving financial peace through intentional living.

Steven Curtis Chapman, a titan in Christian music, boasts a career spanning over 30 years. He's the most awarded artist in the genre with 59 GMA Dove Awards, 5 GRAMMY® Awards and an American Music Award. With 50 No. 1 singles and over sixteen million albums sold, his influence is undeniable. He's collaborated with icons across genres and is a best-selling author. In 2022, he became the first Christian music songwriter to receive the BMI Icon Award. A vocal advocate for adoption, he co-founded Show Hope, a nonprofit aiding orphans.

Maneet Chauhan is an award-winning chef, author, television personality and founding partner and president of Morph Hospitality Group in Nashville, Tennessee. Born in Punjab, India, chef Chauhan worked in some of the country’s finest hotels before moving to the U.S. to study at the Culinary Institute of America. She has received many awards including the James Beard Foundation Broadcast Media Award for her role as a permanent judge on Food Network’s Chopped, an Augie Award by The Culinary Institute of America and the IACP Cookbook Award for one of her cookbook, Flavors of My World and Chaat: The Best Recipes from the Kitchens, Markets, and Railways of India .

Dr. John Delony, a two-time #1 national bestselling author, mental health expert, and host of The Dr. John Delony Show , is renowned for his insightful teachings on relationships and emotional wellness. With two PhDs in counselor education and supervision and higher education administration, John brings over two decades of experience in crisis response to his work at Ramsey Solutions. His latest book, Building a Non-Anxious Life , guides readers through the Six Daily Choices for a calmer existence.

Deana Carter, with her unique blend of country and retro rock, captivated fans with her debut album Did I Shave My Legs For This? over two decades ago. Known for hits like Strawberry Wine , Carter has released eight albums, exploring themes of love, life and adulthood. Daughter of famed guitarist Fred Carter, Jr., she grew up surrounded by music legends. Her songwriting skills led her to sign deals with Polygram and Capitol Records where she made history with her multi-platinum debut. She continued to innovate, founding Little Nugget Records and releasing Southern Way of Life . Carter has earned acclaim, including CMA and Grammy nominations and remains active in the music and movie industry.

Jade Warshaw is a Ramsey Solutions Master Financial Coach, co-host of The Ramsey Show and author of Money’s Not a Math Problem . Since paying off over $460,000 in debt with her husband, Jade has been helping others achieve financial peace. She’s a debt-free entrepreneur and six-figure debt-elimination expert on a mission to change the typical American money mindset. Jade teaches people how to regain their power by shifting their beliefs and actions around money.

Stephen Bargatze has been a professional magician for over 40 years. He is an International Brotherhood of Magicians Champion, a two-time Comedy Award winner and an International Brotherhood of Magicians First Place Close-Up Award Winner. He has worked in various venues, theaters, comedy clubs, churches and corporate functions. But even with all the awards and accolades, he is most recently known as “Nate’s Dad” due to his son’s successful comedic career. Stephen’s genuine personality and keen comedic timing masterfully create a strong relationship with his audiences as they are no longer merely spectators but find themselves caught up in his comedy and uniqueness.

Ken Coleman is a nationally bestselling author, career expert and host of The Ken Coleman Show . He has spent over a decade guiding individuals toward finding work aligned with their passions and strengths. Since joining Ramsey Solutions in 2014, Ken has leveraged his expertise to empower countless individuals to discover their unique career paths through the Get Clear Career Assessment. As a co-host of The Ramsey Show , he shares practical advice on achieving financial freedom and career success.

Wynn Varble's passion for country music began in childhood, leading him to learn guitar and start writing songs. After moving to Nashville, he achieved success with hits like “Have You Forgotten” by Darryl Worley and “Waitin' On A Woman” by Brad Paisley. In addition to his number-one hits, Wynn has recorded songs by artists such as Garth Brooks, Cody Johnson, Jon Pardi, Trace Adkins, Mark Chesnutt, Willie Nelson, Kellie Pickler, Lee Ann Womack and many others. In 2009, he was named Songwriter of the Year by the Nashville Songwriters Association and made his Grand Ole Opry Debut in 2011. Currently signed with BMG Music Publishing, Wynn continues to tour extensively and write songs daily.

George Kamel is a personal finance expert, author of Breaking Free From Broke and co-host of The Ramsey Show and Smart Money Happy Hour . He is passionate about simplifying complex money topics, which he shares on his own YouTube channel. Following Ramsey's proven money plan, George transformed his financial life from negative net worth to millionaire status in under 10 years. Since joining the Ramsey team in 2013, he has been dedicated to helping empower people to spend less, save more and avoid money traps so they can live with more margin, options and freedom.

Phil (Philbilly) O'Donnell is a renowned singer, songwriter, producer and musician who has significantly influenced country music since 2000. His impressive repertoire includes #1 hits for legendary artists like George Strait, Blake Shelton and Montgomery Gentry and contributions to the success of artists such as Cody Johnson, Chris Jansen and Garth Brooks. With a knack for crafting chart-topping hits and a passion for creating music that resonates with audiences, Phil O'Donnell continues to leave a lasting impact on the country music scene.

Darren Whitehead, an Australian-born pastor and author, founded Church of the City in Nashville, Tennessee, in 2013. With over 25 years of ministry experience, he holds a master's in ministry and a doctorate focused on millennials and the Western church. His latest book, The Digital Fast: 40 Days to Detox Your Mind and Reclaim What Matters Most , addresses the impact of digital technology on spirituality. He resides in Franklin, Tennessee, with his wife and three daughters.

Richard Green, The Modern Conjurer, has enchanted global audiences for over 25 years with his unique magic. Regularly performing at Nashville's House of Cards, his show Victorian Secrets revives the parlor magic of yesteryears, blending sleight-of-hand, mind-reading and storytelling. A member of the Society of American Magicians, Richard's performances are intimate experiences, making the audience the stars. His magic is customizable for any event, ensuring a memorable, magical encounter.

A Ramsey Solutions Personality Host, Eddie Culin brings dynamic energy to live events and livestreams. Formerly a worship leader at Sandals Church, he impacted thousands across multiple campuses and online. His transition to Ramsey Solutions expanded his reach, allowing him to inspire audiences with his passion and authenticity.

Joe Leavitt serves as the director of Ramsey Events at Ramsey Solutions, with a 21-year tenure at the company. In this role, he leads the team that brings to life events like the Live Like No One Else Cruise, EntreLeadership Master Series and Summit, and Ramsey’s epic Christmas party. Joe is dedicated to creating memorable experiences for attendees, ensuring each event reflects Ramsey Solutions' commitment to excellence and financial empowerment. Outside of work, Joe enjoys spending time with his wife and four daughters, hosting the May the Smoke Be With You barbecue podcast and sharing his barbecue creations on social media.

Carollynn Xavier is a fast-rising addition to the Tennessee stand-up scene. She is currently living in Nashville by way of Los Angeles, but don’t let her California blood fool you. Carollynn’s clean-cut humor and witty takes on her newfound love of Southern culture will always leave you wanting more.

The World’s Best Beaches

On a Caribbean cruise, lush landscapes rise from turquoise waters and palm trees sway in tropical breezes. Amid shimmering seas, your travel experience combines uplifting music, in-depth teaching and soul-stirring inspiration with the world’s most spectacular vistas. Explore the color and culture of the world’s best beaches each day.

Christian caribbean cruises

Sing along with a country music icon

Bond with artist Deana Carter as she gives a behind-the-scenes look at her most iconic song, “Strawberry Wine.” Know the lyrics? Belt it out with other fans.

Dave Ramsey

Brand-New Content

Experience Dave and the Ramsey Personalities as you’ve never seen them before with brand-new talks tailored to you, our heroes in Baby Steps 4–7!

Maneet

Learn From A Food Network Star!

Join Maneet for tasty food demos and learn some of the secrets that have made her a Food Network Star and winner of Tournament of Champions.

Steven Curtis Chapman

Private Concert with Steven Curtis Chapman

Join Steven in the World Stage for a night of chart-topping hits and the stories behind them as he performs just for us.

Zip lining in the Caribbean

Ascend over breathtaking views

Glide 700 feet above sea level, then emerge from the lush jungle to incredible sweeping coastline views offering fantastic photo opportunities.

Smiling woman with a dolphin

Swim with dolphins

Swim with the Bahamas’ famous welcoming committee: dolphins! Play in the crystal clear waters and snap some pictures with your new friends.

Woman shopping

Handcrafted, authentic finds

Major Caribbean ports offer some of the best shopping—and prices—especially for luxury goods and jewelry. Best of all, many items are duty-free!

Woman snorkeling

Snorkel with stingrays

After a tram ride, you’ll receive safety training before snorkeling in a protected wading area, where you can feed and touch these incredible creatures.

Half Moon Cay

Play on Half Moon Cay

Spend an entire day on a private Bahamian island, sunning, swimming and parasailing in this award-winning nature reserve, 98% of which remains untouched.

Man in a submarine

Submarine exploration

Board a U.S. Coast Guard-certified submarine to explore the ocean floor while marveling at the breathtaking views, diverse marine life and majestic coral heads.

Crowd of people

Worlds largest debt-free scream

Get ready to scream with your fellow cruisers as we take the Debt Free Scream to a whole new level…the largest ever!

INCREDIBLE EXPERIENCES

Come to where green islands rise from turquoise waters and palm trees sway in tropical breezes. Make unforgettable memories in this bucket list destination.

7 - DAY ITINERARY

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Remarkable places.

Fort Lauderdale

Fort Lauderdale, Florida

This port is known for its beaches, arts scene and rich history. Explore museums and waterfront restaurants, go shopping, and enjoy water sports on the ocean.

Half Moon Cay

Half Moon Cay, Bahamas

This private island is known for its wonders—from the sugar-white sand to the turquoise lagoon. Experience its secluded cabanas and delectable dining options.

St Thomas

Charlotte Amalie, St. Thomas, USVI

This island offers stunning views, fantastic snorkeling opportunities, pristine beaches, excellent shopping and a glimpse of Danish colonial architecture.

San Juan

San Juan, Puerto Rico

Discover the rich history, diverse culinary options and ultimate beach lounging spots. Explore the national rainforest and the captivating architecture.

dave ramsey tours

READY TO BOOK THIS EXPERIENCE?

Accommodations, nieuw statendam.

Step aboard and enter an elegant world, where every detail is meticulously crafted to provide you with an unparalleled cruising experience. Luxurious suites are adorned with plush furnishings and soothing color palettes. Enjoy a myriad of onboard entertainment and activities; there’s something for everyone.

The Statendam's attentive staff caters to your every need, ensuring that your time onboard exceeds expectations. Enjoy various dining options, including perfectly seared steaks at the upscale grill to expertly crafted international dishes at the specialty restaurant. Each meal is a symphony of flavors designed to delight your palate.

You'll discover that the Statendam is not merely a ship—it's a gateway to extraordinary moments and cherished memories.

Ship's Registry: The Netherlands

dave ramsey tours

Deck 1 - Main

Deck 2 - plaza, deck 3 - promenade, deck 4 - beethoven, deck 5 - gershwin, deck 6 - mozart, deck 7 - schubert, deck 8 - navigation, deck 9 - lido, deck 10 - panorama, deck 11 - sun, deck 12 - observation.

dave ramsey tours

  • Meeting Rooms are multipurpose spaces for corporate gatherings, events and entertainment.
  • Less ocean movement and proximity to the Plaza dining and entertainment.
  • Experience smoother seas on this deck.
  • Get work done at the Internet Center.
  • The Atrium is a three-deck-high, open-floor-designed midship area that features a magnificent glass sculpture hanging from the ceiling. Conveniently close to the Plaza deck.

dave ramsey tours

  • The Dining Room is the flagship dining experience and is a welcoming and sophisticated setting for an exquisite breakfast, lunch or superb multicourse dinner.
  • Enjoy classical cruise ship music and onboard entertainment at the Lincoln Center Stage . In an exclusive partnership with the world’s leading center for the performing arts, music virtuosos perform familiar classics and twists on contemporary favorites.
  • Pinnacle Grill is the ultimate steakhouse at sea, with an exceptional menu of prime steaks, seafood and wine.
  • World Stage features innovative cruise ship shows and a two-story LED screen that creates a vivid wraparound display.
  • Sing along, test your music trivia knowledge or sit back and enjoy as chart-topping hits fill the Billboard Onboard room each night.
  • From the pages of rock 'n' roll's leading authority, our Rolling Stone Rock Room Band chronicles the best of the classic rock era.

dave ramsey tours

  • Enjoy a wide variety of duty-free shopping onboard at The Shops .
  • Visit the Art Gallery, an expansive onboard gallery space exhibiting works by emerging artists curated from the destinations visited by the ships.

dave ramsey tours

  • Ideal for entertainment lovers, the Casino , Grand Dutch Café , The Dining Room and The Shops await one deck down.
  • One deck from the World Stage .
  • Get easy access to Plaza eateries.

dave ramsey tours

  • Reach the whole ship easily from this peaceful middle deck.
  • A variety of cabins are available on this deck plan; see accommodation descriptions for details.
  • There are no amenities or public spaces on this deck.

dave ramsey tours

  • Get easy access to the Lido Market, Fitness Center and Greenhouse Spa & Salon located two decks up.
  • Conveniently close to the Upper Deck .
  • Exclusive to suite guests, Neptune Lounge is a private place to relax, socialize and enjoy personalized concierge service. Enjoy complimentary refreshments, a relaxing seating area and access to Wi-Fi for a small charge.

dave ramsey tours

  • You’re never far from R&R on this deck. Lido deck pools , the Fitness Center and Greenhouse Spa & Salon await above. Conveniently close to Lido Market and restaurants.
  • The Bridge (command center) navigates the waters from here.

dave ramsey tours

  • Sea View Pool is an adults-only pool with the perfect spot to get some sun and watch the world sail by.
  • Lido Market is a casual modern marketplace that offers the widest range of food options onboard for breakfast, lunch, dinner or a late-night snack.
  • Greenhouse Spa & Salon is a heavenly retreat that nurtures every aspect of your well-being with renowned spa rituals and healing touches. In the spa, pamper your skin with facial treatments featuring premium, naturally sourced ingredients. Nurture your body, too, with massage treatments employing time-honored, hands-on massage techniques gleaned from around the world.
  • Take a class in our professionally staffed Fitness Center.

dave ramsey tours

  • Explore traditional cuisines of Southeast Asia, China and Japan at Tamarind.
  • When you’re hungry, enjoy New York Deli & Pizza and Panorama Bar.
  • Nami Sushi offers a tempting array of sushi rolls with an homage to the ocean views you'll enjoy, created by master sushi chef Andy Matsuda.
  • At New York Deli & Pizza , choose from various scrumptious nine-inch thin-crust pies. Named for New York’s famed five boroughs, the signature pizzas are made to order and topped with only the finest ingredients.
  • Club HAL's Kids Club offers an array of entertaining events for kids and teens ages 3-17, supervised by full-time, professionally trained staff.

dave ramsey tours

  • The Sun Bar and Sun Deck are the perfect outdoor spaces for those who would rather soak up the sun and relax away from the often crowded pool areas.
  • Enjoy complimentary lessons, tournaments, courts and jogging tracks with amazing top-deck views at the Sports Courts.
  • Take in the spectacular sites and capture the best photos from this deck.

dave ramsey tours

  • The Retreat is an outdoor area that is perfect for guests looking for a quieter, more luxurious place to rejuvenate during their cruise. Enjoy the wonderful views and take in the relaxing atmosphere in private cabanas, lounge chairs, sun beds and exclusive bar service.
  • Explorations Central is exclusive destination programming designed to deepen your understanding of the places you visit. Sip elegantly prepared espresso drinks and nosh on fresh pastries from Explorations Café as you take in fantastic views.

ROOM OPTIONS

Nieuw Statendam

Interior Staterooms

Nieuw Statendam

Interior Spa Stateroom

Nieuw Statendam

Single Ocean View Stateroom with Window

Ocean view stateroom, spa ocean view stateroom.

Nieuw Statendam

Family Ocean View Stateroom with Window

Nieuw Statendam

Verandah Stateroom

Nieuw Statendam

Spa Verandah Stateroom

Nieuw Statendam

Vista Suite

Nieuw Statendam

Signature Suite

Nieuw Statendam

Neptune Suite

Neptune spa suite.

A nice starter option for those wanting an inside cabin. These charming staterooms feature a host of modern functional details such as bedside USB ports, plush Euro-Top mattresses, and premium massage shower heads. Two lower beds convert to one queen. Approximately 143 - 225 square feet. All prices are based on double occupancy.

A starter choice for those seeking serenity. These relaxing staterooms feature modern spa amenities such as yoga mats, an iPod® docking station, and exclusive spa treatments at the nearby Greenhouse Spa & Salon. Complete with Euro-Top mattresses and two lower beds that convert to one queen. Approximately 143 - 225 square feet. All prices are based on double occupancy.

Perfect for guests traveling solo, these comfortable staterooms feature a cabin window and a bed with a plush Euro-Top mattress, plus a premium massage showerhead and other modern amenities. Approximately 127 - 172 square feet. Single occupancy only. 

A good choice for those wanting a window in their cabin. These comfortable staterooms feature a sitting area and two lower beds that convert to one queen. Some have additional sofa beds or upper beds. Approximately 175 - 282 square feet. All prices are based on double occupancy.

A good choice for those wanting a window in their cabin. These comfortable staterooms feature a sitting area and two lower beds that convert to one queen. Enjoy exclusive spa treatments from the nearby Greenhouse Spa & Salon. Some have additional sofa beds or upper beds. Approximately 175-282 square feet. All prices are based on double occupancy.

The best choice for families wanting amazing views. These cabins offer two lower beds (convertible to queen-size), an upper bed, a sofa bed/sitting area, vanity area and two bathrooms—all in approximately 222 - 231 square feet of comfort. All prices are based on double occupancy.

A great selection for those wanting a balcony. These relaxing staterooms feature a sitting area, private verandah and floor-to-ceiling windows. There are two lower beds that convert to one queen and some have additional sofa beds or upper beds. Approximately 228 - 405 square feet, including verandah. *All VH cabins have a partially obstructed ocean view. All prices are based on double occupancy.

The best choice for those seeking serenity. These luxurious, light-infused staterooms feature exclusive spa treatments at the nearby Greenhouse Spa & Salon and spa amenities including yoga mats and premium massage showerheads. They also include floor-to-ceiling windows, a sitting area, private verandah and two lower beds that convert to one queen. Approximately 228 - 405 square feet including verandah. All prices are based on double occupancy.

A wonderful choice for cruisers desiring the views and extra space of a balcony, these beautiful cabins include luxurious twin beds (convertible to queen-size), a teak-lined verandah, a sitting area and vanity area, frameless glass shower doors in a private bathroom, a private balcony and stunning floor-to-ceiling windows. Total space is 260 - 356 square feet, including verandah. All prices are based on double occupancy.

An upscale option for small families or cruisers wanting additional space and amenities, these remarkable cabins offer two lower beds (convertible to a king-size bed), a single murphy bed, a bathroom with dual-sink vanity, a full-size whirlpool bath and shower, a sizable sitting area, and the extraordinary views of a private balcony. Featuring floor-to-ceiling windows and plenty of natural light, these suites range from 393 - 400 square feet including verandah. All prices are based on double occupancy.

A luxurious choice for passengers wanting extra space and spectacular views, these are among the largest staterooms on the ship, offering two lower beds that convert to a king-size bed, dual-sink bathroom vanities, and a full-size whirlpool bath and shower. These also feature a large sitting area, a private balcony and floor-to-ceiling windows in 465 - 502 square feet including verandah. Also included is access to the exclusive Neptune Lounge, a private haven offering personal concierge service. All prices are based on double occupancy.

Total taxes and fees: $230

What’s included in your cruise.

A couple holding hands and walking along the deck of a cruise ship

Enjoy these exclusive amenities included on this amazing cruise

  • Crew Appreciation Gratuities
  • Relax, kick back and have some serious fun celebrating all your hard work with Dave, the Ramsey Personalities, and other world-class entertainers. It’s time to enjoy some of your well-earned money!
  • Laugh and learn with other like-minded people as you sail the Caribbean, making memories with new friends.
  • Experience Dave and the Ramsey Personalities as you’ve never seen them before with brand-new talks tailored to you, our heroes in Baby Steps 4–7.
  • Attend impactful workshops with your favorite musicians, financial leaders and entertainers.

Book with Confidence

As christians we care that your travels are spiritually significant., top-ranked service with leading industry awards and accolades., over 1,500+ ministries have trusted us to manage their group events., every detail is triple-checked so you can enjoy every moment abroad., enhance your cruise experience.

VIP Upgrade - Sold Out

What is included?

  • VIP Early boarding on embarkation day
  • VIP Seating—two front rows of seats reserved at all events in the Main Stage
  • Private dinner onboard with Dave Ramsey in the Pinnacle Grill
  • Premium arrival gift from Ramsey Solutions
  • VIP/Private access to Club Orange for breakfast and lunch
  • Pre-cruise mingle event at Hotel—night before the cruise
  • VIP transfer to the pier via motorcoach
  • Limited spots available
  • Price—$1500 per person - Please call our office to be added to the waitlist!

EntreLeadership at Sea

EntreLeadership at Sea

  • Work with Executive Director of Entreleadership Elite, John Felkins, during two 3-hour mastermind sessions, spread over 2 days.
  • Create customized strategies and plans for your specific business.
  • Be among other small business owners and leaders.
  • Get access to an exclusive Q&A with Dave Ramsey where he’ll answer your questions on business and leadership.
  • Price—$2000 per person

Ramsey - Money & Marriage At Sea

Money & Marriage at Sea

  • Enjoy exclusive content from Dr. John Delony and Rachel Cruze that will help you build a stronger, more intimate marriage.
  • Spend your first day at sea investing in your marriage.
  • Attend a morning and afternoon session, along with Q&A time—your chance to ask anything!
  • Get journals for you and your spouse to take notes throughout the day.
  • Space is limited.
  • Price: $400 per couple
  • Capacity: 300 couples

Caribbean Cruise FAQs

Please carefully review the details of the Cancellation Policy below, as well as the full Terms & Conditions prior to booking your travel event.

All prices, penalties and change fees are quoted per passenger based on selected occupancy.

Inspiration Travel partners with Elite Tours & Travel for individual flight travel arrangements. To receive a flight quote please click here to provide your information. Please note that flight concierge fees of $65 per person will be applied to your invoice if flights are purchased. If you decide to arrange airfare through the cruise line or independently, please reach out to Inspiration for recommended arrival and departure times. To ensure you have transportation to and from the airport, please provide your full flight itinerary so we can arrange your transfers accordingly.

Most islands of the Caribbean possess a subtropical climate, with both wet and less wet seasons. During the wetter season—generally July to December—rainfall will vary from one island to another, depending on elevation, size and water currents. Common ports like the Bahamas, Turks & Caicos, Puerto Rico, St. Martin and Jamaica typically feature subtropical and tropical climates in which warm trade winds from the east and northeast bring occasional rainfall, with precipitation heaviest from May through October.

Packing Checklist

  • Casual clothes including pants, jeans, shorts, T-shirts, collared shirts or blouses
  • Light sweater or jacket
  • Semi-formal clothes or dress clothes for 1-2 evenings, depending on the length of your cruise
  • Bathing suit and a cover-up or wrap
  • Light raincoat or compact umbrella
  • Comfortable walking shoes or sandals with rubber soles
  • Hat, sunglasses and sunscreen
  • Toiletries, in a sealed, clear bag inside your luggage
  • Minor First Aid care items such as Band-Aids, aspirin, hand sanitizer, etc.
  • Medications in their original containers
  • Hair care appliances (see information on Using Electronics)
  • Small bag or backpack for port days; large enough to carry your camera and other personal items
  • Passport with separate photocopy

Dining Dress Code

Depending on the cruise line, there will be one to two nights of dressing up for dinner or other special events. We suggest a semi-formal dress or skirt and blouse for women and a dark suit for men. The remaining dinners on the cruise are informal—blouse and pants for women; and collared shirt with trousers for men. Remember that T-shirts, shorts or tank tops are not permitted in the dining room.

Packing Tips

Make certain your suitcase closes and fastens securely. Mark your luggage and carry-on bag with your name and address so you can distinguish them easily. We also recommend you put identification information—name, address and phone number—INSIDE your luggage in case the luggage tags are lost in transit. We also suggest keeping your essential toiletries and a one-day change of clothes in your carry-on. Do not pack your passport or travel documents in your luggage. It is suggested that you keep a color copy of the information page of your passport inside your luggage if your passport is lost.

For more information, please call one of our Reservation Coordinators at 800 247 1899 , Monday through Friday between 8:30am – 5:00pm, Pacific Time.

We know how nice it is to have the convenience of home when traveling on a cruise. Bringing your electronics and hair appliances can enhance your overall travel experience. Every cruise ship has plugs that accept U.S. and Continental European devices, and you do not need to bring plug adaptors. Here are some things to know about your electronics before you pack them:

Phones, MP3 Players, Laptops, Cameras & Video Cameras

Most small digital devices have chargers that will fit in the plugs on a cruise ship. One thing to be mindful of is the limited plugs in each cabin; you may want to bring a multi-plug extension cord.

Blow Dryers, Curling Irons & Straighteners

Each stateroom has a hair dryer for your personal convenience. If you prefer your hair appliances, you may want to consider purchasing or borrowing compact and travel-friendly appliances.

For more information, please call one of our Reservation Coordinators at 800 247 1899 , Monday through Friday between 8:30am-5:00pm, Pacific Time.

The scenic beauty of Caribbean can be enjoyed from onboard the ship and to make the most of your cruise vacation, you can also get out into the local ports. Shore excursions offer something for everyone. Choose from city tours, culinary explorations, shopping outings, cultural activities and more.

Because shore excursions have limited capacity and fill up quickly, we recommend you book early for the best selection on your cruise. Once you’ve booked your Inspiration cruise, check out the customized cruise line excursion list based on your itinerary. Using your cruise booking number, you can easily book shore excursions online as early as 60 days before your trip and up to 3 days before departure, depending on the cruise line.

Visit the cruise line’s website to find information on specific excursions:

  • Celebrity Cruises
  • Holland America Line
  • Norwegian Cruise Line
  • Royal Caribbean International

You may also register for your Shore Excursions once onboard the ship. All shore excursion requests are processed on a first-come, first-serve basis. Waitlisted requests for sold-out shore excursions will be processed before requests made onboard.

For more information please call one of our Reservation Coordinators at 800 247 1899 , Monday through Friday between 8:30am-5:00pm, Pacific Time.

We want to help make your trip as smooth and as enjoyable as possible. We can book motorcoach transfers for you from the airport to your cruise departure port and on your return trip.

Hotel Stays

Remember that you always have the option of arriving earlier or staying later. For example, hotel reservations may be available if you want to arrive a few days early before boarding your cruise or stay a few days after the cruise returns.

As you plan for your upcoming Christian cruise with Inspiration, you may wonder about using money and credit cards during your travels. We’ve made the following recommendations to help you save money, avoid unnecessary fees and focus on an exceptional travel experience.

  • Consider leaving all unnecessary credit cards at home.
  • Once you determine which cards you’ll bring, remember to notify each credit card company of your intended travel dates and locations to ensure fraud alerts and holds are not placed on your accounts.
  • For each card, you’ll want to store the bank’s contact information in a separate, secure location in the unlikely event your wallet or purse is lost or stolen.

Almost all Caribbean destinations accept U.S. credit or debit cards. If you plan to use your credit cards, you’ll want to check with each credit card company to determine the international exchange fee for each card. Because the difference of a few percentage points could cost you more (depending on your purchases), we recommend using cards with lower international exchange fees. Using your credit card for large purchases gives you more protection for the items you buy on your trip. You can review your credit card statement to verify all of your purchases.

The Bahamian dollar equals the U.S. dollar, and both are accepted interchangeably throughout the islands. The U.S. dollar is the official currency of Turks and Caicos, Puerto Rico and the Virgin Islands. The U.S. dollar is widely accepted in the Cayman Islands, Jamaica, Belize, Honduras and St. Maarten. If traveling with currency other than the U.S. dollar you may exchange money on board the ship, although we always recommend checking the exchange rate before traveling to a foreign country.

Today’s technology allows you to stay connected while traveling—ensuring you get that memorable photo or message from your loved ones. On most ships, you should be able to use your cell phone or smartphone to do everything you’re used to doing at home. In addition, mobile phones provide convenient access for emergencies and confirming travel plans. Some basic guidelines and tips will help you save money, keep your phone working effectively and stay in touch.

Before you leave

Spending some time contacting your cell phone carrier before your trip will help ensure you can call friends and family back home and eliminate any surprises on your phone bill when you return. Let your phone carrier know your travel plans, including how you plan to use your phone on your cruise. You’ll want to make sure you understand all of the potential charges. Contact your carrier for specific information.

Check with your carrier for international dialing access

You will want to make sure international and cruise package dialing is active on your mobile phone plan so that you can use it in Caribbean ports, and remember that international and maritime roaming rates will apply to calls placed onboard the ship (charges will appear on your phone bill). Because roaming rates can be high on cruises, checking with your carrier for specific cost details before you leave is a good idea.

Aboard your flight and cruise

Your cell phone’s battery life is the key to keeping you connected. Below are some tips for staying powered up on your trip:

  • Remember to set your phone to Airplane Mode when you board your flight. You can also do this aboard the cruise when sailing to avoid roaming charges unless you have the cruise ship package with your carrier. This suspends all calling and texting functions but still allows you to play games, use your camera and listen to music, etc.
  • On the cruise, you’ll want to charge your phone every night to ensure enough battery life for the next day.
  • Try to turn off your phone when you’re not using it. Leaving your phone on all day drains the battery, so it’s a good idea to turn it off while you’re on a shore excursion, eating or reading.

Smartphone tips

As one of the most popular communication devices today, smartphones have revolutionized how we connect and the world. We know leaving your smartphone behind for an hour, much less multiple days is difficult. The following tips will help you save your phone’s battery life and get the most out of your smartphone while on the cruise:

  • Before your cruise, you’ll want to disable any applications that give you regular updates, such as sports reports and weather updates.
  • Disable the Data Enabled or Data Roaming option on your phone and keep it off until you reach your destination. Turn off the function for “Automatic” checking of emails and change the email settings to “Manual” to reduce data roaming charges. During your trip, you can check for email messages when connected to a free, wireless Internet connection, such as in a hotel lobby or Internet cafe while in port.

In-room phones and phone cards

If you choose to not bring your mobile phone, you can stay in touch with others while on your cruise using the in-room phones. Please make sure you understand all of the charges associated with this before you place your call, as the rates can be expensive.

Your cruise vacation allows you to travel without the hassle of checking in and out of hotels, packing and unpacking, and spending valuable time trying to find quality restaurants–all with excellent service dedicated to enhancing your exceptional travel experience.

Each cruise line makes rewarding the excellent service you’ll receive onboard easy. A gratuity of $16-$19 per day (depending on the cruise line and cabin category), per guest for dining and stateroom services will be automatically added daily to your shipboard account. The cruise line also will automatically add an 18% service charge to beverages purchased through your onboard account. Before the end of the cruise, the Cruise Director will address more specific questions regarding tipping procedures.

If you take a taxi to the pier, it’s common to simply round up to the next dollar when paying your tab. The cab drivers appreciate this, and it is considered part of their income. When you arrive at the ship on embarkation day, we suggest tipping the porters at the pier $1.25 per bag when they take your luggage to place it on the ship.

A 15-20% tip for restaurant service workers is appreciated when visiting restaurants off the ship and during shore excursions.

Depending on your itinerary, you’ll have plenty of opportunities to explore the cities, beaches and attractions of each island on your route. Most ports will have shopping districts within an easily walkable distance from the cruise ship. You’ll also want to spend time in the sun since the Caribbean is home to some of the best beaches in the world. Other adventurous activities, from snorkeling to rainforest ziplining, are available at many ports.

Here are a few articles with the top experiences we recommend:

  • Our Favorite Cruise Ports in the Western Caribbean
  • Our 6 Favorite Eastern Caribbean Cruise Ports
  • The Caribbean’s Christian Heritage
  • Our Favorite Churches of the Caribbean
  • Travel Poll: Top 6 Caribbean Islands
  • Listen! The Caribbean is Calling

Articles on how to pack and prepare for your Caribbean Cruise

  • 5 Travel-Friendly Fashion Finds
  • 9 Tips for First-Time Cruisers
  • The Key to a Good Night’s Sleep…Anywhere
  • How Not to Lose Things While Traveling—Including Your Passport

Articles with cruising advice

  • Magnets on the Cabin Walls (and 10 Other Insider Cruise Tips)
  • Pro Tips for Better Travel Photography
  • Stay Flexible, Make Friends and Other Pro Tips
  • Room Service Isn’t Extra (and Other Cruise Dining Tips)

We hope these suggestions and tips help answer your questions! If you have any other inquiries, please don’t hesitate to call our Reservation Coordinators at 800 247 1899 Monday through Friday, 8:30am to 5:00pm Pacific Time.

WE CREATE EXCEPTIONAL TRAVEL EXPERIENCES

Call us to book your trip of a lifetime, 800 247 1899, guest reviews.

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“If I had a chance to do this cruise all over again, I MOST definitely would. Inspiration, you did a wonderful job coordinating this event.”

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12 Cheapest Places to Travel in 2024

22 Min Read | Apr 11, 2024

Rachel Cruze

To know me is to know that I love planning vacations. I always like to say planning vacations is one of my spiritual gifts—it’s so much fun. Seriously, my in-laws even ask me to plan  their  vacations! Couple that with my other passion for finding a good deal and I’m in heaven. I say all of this because if you’re looking for the cheapest places to travel, I can help.

There are tons of ways to save money when you travel, but let’s start with choosing places that have plenty of things for you and your family to do that won’t break your budget. I do want to mention I made this list based on how easy it is to get there, along with how many free or affordable things there are to do once you’re there. 

Finding cheap places to travel in the U.S. might feel hard right now (looking at you,  inflation ), but they’re still out there. Here are my top 12 favorites.

12. San Antonio, Texas

Looking for a Texas-size adventure in the Lone Star State? San Antonio’s got it all, y’all. Visiting the Alamo is a must. But you’ll also want to eat lots of Tex-Mex cuisine. Fajitas? Breakfast tacos? Yes, please!

Free Attractions:

  • The Alamo:  Admission to the most famous historic site in Texas is totally free! Learn all about the Battle of the Alamo, and then visit the three other missions that are part of the San Antonio Missions National Historical Park.
  • River Walk:  Stroll along the beautiful San Antonio River Walk and enjoy the shops, restaurants and bars.
  • Brackenridge Park:  This park has plenty of walking trails and playgrounds. Order a Tex-Mex lunch to go, and dine out in the open air at one of the picnic areas!

Cheap Attractions:

  • Six Flags Fiesta Texas:  You’ll have tons of thrills on the roller coasters at this theme park just a short drive outside the city. Single-day tickets start at $59. 1
  • San Antonio Botanical Garden:  Stop and smell the roses as you stroll through the beautiful gardens and outdoor exhibits. Admission starts at $18 for adults and $13 for children ages 3–13. 2
  • Natural Bridge Caverns:  Looking for a way to beat the Texas heat? It’s 70 degrees year-round in this underground world of limestone caverns and formations. Tours start at around $30, but prices vary from day to day. 3

11. Pittsburgh, Pennsylvania

Steel City isn’t just about steel mills and factories anymore. Pittsburgh has undergone a transformation, and you’ll find world-class museums and parks there. It’s pretty in the fall, but you’ll freeze in the winter—so keep that in mind when planning your trip.

  • Point State Park:  This park is located where three rivers come together and has a great view of the city.
  • The Frick Art Museum:  Free and open to the public every day, the Frick has an impressive collection of art that includes a portrait by Peter Paul Rubens.
  • The Strip District:  If you’re looking for a vibrant neighborhood with lots of unique shops and restaurants, head to the Strip.

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  • Mount Washington:  Ride the inclined railway ($2.50 each way) to the top of Mount Washington for amazing views of the Pittsburgh skyline. 4  And then stay a while for lunch or dinner at one of the many restaurants on the mountaintop.
  • National Aviary:  You’ll find penguins, parrots and flamingos galore at the National Aviary. Tickets are $19 for adults and $16 for kids ages 2–12. 5
  • Pittsburgh Pirates:  Tickets to Pirates games are affordable (starting at $18), especially if you go to a weekday game. I’m not a huge baseball fan, but I am a fan of stadium food—so grab a giant Primanti’s deli sandwich while you’re at a game.
  • Carnegie Museums:  Pittsburgh has four Carnegie Museums: Carnegie Museum of Art, Carnegie Museum of Natural History, Carnegie Science Center, and The Andy Warhol Museum. Tickets for the museums are $13–15 for kids and $25 for adults. 6

10. Raleigh, North Carolina

Raleigh, North Carolina

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The Raleigh-Durham area is beautiful, trendy and great for both families and couples, making it a no-brainer for this list. You won’t have to spend too much to get a decent hotel room, and they have reasonably priced nonstop flights from many cities in the South and Midwest.

  • Pullen Park:  There’s plenty to do at this park, and you can even pose for a cute picture with the statue of Andy and Opie from  The Andy Griffith Show .
  • North Carolina Museum of Natural Sciences:  Learn about dinosaurs, butterflies, fish and more!
  • Wrightsville Beach and Carolina Beach:  Both   are about two hours outside of Raleigh. Pack up a cooler and spend a day at the beach! 
  • Marbles Kids Museum:  Your kids will have an absolute ball at this imaginative play place. Tickets are just $9. 7
  • Beasley’s Chicken and Honey:  This restaurant was started by a James Beard award-winning chef, and their fried chicken breast with honey is worth a try!
  • The Boxcar Bar and Arcade:  Raleigh is known for its beer scene, and this place offers daily drink specials and cheap arcade games to keep 21-and-up guests entertained for hours.
  • The Durham Bulls:  I’m not super into minor league baseball, but I know many of you are. Plus, they have some pretty fun promotion nights like Star Wars and Afforda-BULL Eats nights. So fun!

9. Gatlinburg, Tennessee

dave ramsey tours

You know I can’t make a list of cheap places to travel without including a destination from my home state of Tennessee. The Great Smoky Mountains are a popular tourist destination year-round, and here are a few reasons why. 

  • Cades Cove:  If you’re looking for tons of panoramic views you can enjoy in the comfort of your own car, check it out.
  • Clingmans Dome:  This observation tower is perched at the highest point in the Great Smoky Mountains National Park. As long as there’s no fog, you’ll get a great view above the trees.
  • Grotto Falls:  Take the 2.6-mile round-trip hike from the Roaring Fork Motor Nature Trail to see the 25-foot waterfall.
  • All  the hiking:  There’s really no shortage of hiking opportunities here. I’m no expert in that, but Google is!
  • Cabin lodging:  When you go to Gatlinburg, you’ve got to stay in a cabin. They’re surprisingly affordable, and who doesn’t want to wake up every morning to a mountain sunrise?
  • Dollywood:  It’s a theme park, water park and resort all in one. Tickets start at $92, but you’ll save a bunch of money on multiple days if you buy the tickets in a bundle. 8
  • Delauder’s BBQ:  This is a great spot for traditional barbecue.
  • The Donut Friar:  The best donuts in town! It’s cash only, so I’m already a fan! 
  • Pigeon Forge:  You’ll find tons of touristy things (wax museums, go-carts, arcades) to do in nearby Pigeon Forge, but do your homework before you blow your budget on a game of mini golf.

8. Tulsa, Oklahoma

dave ramsey tours

Despite Chandler’s complaints in Season 9 of  Friends , Tulsa is actually a gem. There’s so much to explore while spending little to no money. And the hotel rates are some of the best of any major city out there!

  • Gathering Place:  This public park is more like a resort and may very well make it worth the trip to Tulsa all on its own.
  • Woodward Park:  Surrounded by old, historic neighborhoods, this park makes you feel like you’re stepping into a fairy tale.
  • The Center of the Universe:  Hunt to find this eerie, discreet circle at 1 S. Boston Avenue in downtown Tulsa. If you stand in the center and speak, your voice echoes. 
  • The Tulsa Zoo:  Spend the day with lions, elephants, giraffes and more for around $60 for a family of four. 9
  • Decopolis:  This   is Tulsa’s art deco museum and store, and it’s a shimmering gold spectacle of 1920s and ’30s glamour.
  • Andolini’s Pizzeria:  This place has my name written all over it. If you’re going out to eat, paying for pizza beats buying individual entrées for everyone. Plus, guys, it’s pizza. 

7. Seaside, Oregon

dave ramsey tours

Seaside is   a charming, family-friendly town right on the water. It made my cheap places to travel list because it has so many unique things to do at little or no cost. Flights into Portland International Airport are on the cheaper side—you’ll just need to find a good deal on a  rental car  to drive to the coast when you land. Make sure to book in advance for an even better rate.

  • Arcadia Beach State Recreation Site:  This is one of the cleanest, most scenic beaches in the area.
  • The Tillamook Head Trail:  Take in breathtaking views of the Pacific Ocean during a hike.
  • The Turnaround:  It’s the perfect place to see a gorgeous beach sunset and pose for a selfie with the Lewis and Clark statue.
  • Seaside Aquarium:  You can interact with and feed the seals! Adult tickets are $11, and kids ages 6–13 are just $5.50. 10
  • Sam’s Seaside Café:  This restaurant has something for everyone, from hand-breaded oysters to a garlic lover’s burger.
  • Biking:  Rent bicycles and explore the town and many biking trails in the area.
  • Seaside Inverted Experience:  Have you ever wanted to do a handstand? Or hold a bike above your head? Now you can—kind of. This photo studio will give you the inverted experience you’ve always wanted (without all the heavy lifting). Photo packages start at only $15. 11

6. Virginia Beach, Virginia

dave ramsey tours

Virginia Beach is beautiful and makes my list of cheap places to travel because there are  plenty  of affordable lodging options: camping in the woods, camping at the beach, and renting a cozy cabin or an Airbnb.

  • Virginia Beach Oceanfront:  This 3-mile boardwalk makes my beach-loving heart so happy.
  • Cape Henry Lighthouse:  You can explore the shore of the Atlantic Ocean and see the lighthouse that stands near the site where the Jamestown settlers first set foot in America. You can also tour the lighthouse for $10. 12
  • Virginia Legends Walk:  I always find it interesting to learn about historical figures and where they lived. The Legends Walk is a self-guided tour where you can learn all about famous Virginians like Edgar Allan Poe and Ella Fitzgerald. Cool, right?
  • First Landing State Park:  Relax on the beach or hike all the trails! Admission is just $7 per car on weekdays and $10 on weekends. 13
  • Ocean Breeze Waterpark:  This will keep a family of four entertained all day long for under $200 when you book tickets online. 14
  • Food (obviously):  Try she-crab soup—a staple menu item at several restaurants in Virginia Beach. Get a $10.99 lunch special at Margie and Ray’s crab house and restaurant. 15  Or head to The Back Deck Bar and Café for fish tacos!
  • The Military Aviation Museum:  This museum has planes from both World War I and World War II. Tickets are $17 for adults and $10 for kids! Bonus: Admission is free to all WWII and Korean War veterans. 16

5. Phoenix, Arizona

dave ramsey tours

Phoenix has a lot to offer. Go for the desert landscape, shopping and architecture, and—if you’re a fan of queso like I am—stay for the Mexican food. If you’re adventurous, you could purchase an annual national park pass and tour any of Arizona’s beautiful parks. Plus, those passes will get you into any national park in the country! And if you’re even more adventurous, you can go camping for $26 per night in Sedona (that’s one way to make your vacation really affordable). 17

Here’s another way to  make it cheap : Visit Phoenix during the summer months. That’s when hotel prices are slashed in half because most people flock to Arizona when it’s cold everywhere else. But be warned: Those summer months get hot (with a capital H)!

  • Papago Park:  It’s gorgeous, and you could spend a whole day exploring the trails and beautiful landscape. Then, watch the sunset at Hole-in-the-Rock.
  • Camelback Mountain:  If hiking is your thing (full disclosure—it’s not mine), you’ll love it!
  • Fountain Park:  Take the kids to enjoy a picnic, play disc golf, or splash around at the splash pad.
  • Desert Botanical Garden:  This is located in Papago Park, and it’s full of color and life with more than 50,000 plants. You can spend the day there with a family of four for under $100. 18
  • Mexican food:  You can get it pretty much everywhere in Phoenix, but Carolina’s Mexican Food and La Santisima Gourmet Taco Shop are known for their authentic flavor (at budget-friendly prices).
  • Last Chance:  This is Nordstrom’s clearance store, where designer clothes can sell for just a few dollars in some cases! If you love fashion or just want the best deal ever on a pair of jeans, check it out.

4. New Orleans, Louisiana

dave ramsey tours

New Orleans made the list because it’s so rich in history, music and delicious food. And you don’t have to be rich to go—unless it’s during Mardi Gras (hotels like to double and triple their nightly rates to cash in on the party).

  • The French Quarter:  This iconic area is the oldest neighborhood in New Orleans and makes for super charming photo ops.
  • City Park:  It has the largest collection of live oak trees in the world—some up to 900 years old. 19
  • St. Louis Cathedral:  It’s one of New Orleans’ most well-known landmarks and is totally beautiful!
  • A literary walking tour:  You can visit the homes of Mark Twain, Harriet Beecher Stowe, William Faulkner, Tennessee Williams and more. While the actual guided tours cost a pretty penny, with a little research, you can take your family on your own tour!
  • The National WWII Museum:  This museum has over 24,000 five-star ratings on Tripadvisor and costs $35 per ticket for adults and $25 for school-age kids. Children under 5 get free admission. 20
  • St. Louis Cemetery No. 1:  It’s historical and creepy, and it seems so fascinating to me! Guided tours are $25 per adult and $18 per child. 21
  • Preservation Hall:  If you’re looking for a classy date night, check out this live jazz hall. You can do that starting at $25 per ticket. 22
  • Algiers Ferry:  Take a ride down the Mississippi River and get an incredible view of the New Orleans skyline for just $2 per person! 23
  • Food:  Try an original New Orleans sno-ball or a favorite of mine: beignets—a French-style donut covered in powdered sugar. There’s really no excuse for leaving New Orleans without eating  at least  27. And locals say the po’ boy at Adams Street Grocery and Deli is the best value in town.

3. Sleeping Bear Dunes, Michigan

dave ramsey tours

You might not think of the beach as a cheap place to travel, but this one makes the cut. This beautiful lakeshore on Lake Michigan is full of things to do! Named after an Ojibwe legend of the sleeping bear, the Sleeping Bear Dunes National Lakeshore covers over 50,000 acres along Lake Michigan. The dunes are great for families thanks to the scenic hikes, drives, campsites, and canoeing and kayaking trips. The park does charge an entrance fee of $25 per vehicle. 24  But once you’re in the park, the opportunities for good old-fashioned (free) fun are endless!

  • Star parties:  These are led by park rangers once a month in the spring and summer, complete with a bonfire on the beach. It’s worth timing your trip around  this experience !
  • Fishing:  You can fish in any of the 26 lakes inside Sleeping Bear Dunes National Lakeshore.
  • Pierce Stocking Scenic Drive:  This offers 7.4 miles of beautiful sights. Along the way, be sure to stop at Sleeping Bear Dunes Overlook. It’s the perfect place to catch a sunset.
  • Cherry Republic of Glen Arbor gift shop:  Michigan is famous for its cherries, and you can try some for yourself here.
  • Cottage Book Shop:  Booklovers will love poring over the shelves of the renovated log cabin that’s been turned into a book shop. (Browsing is free!)
  • Cherry Public House:  This falls between low-cost and pricey, depending on what you get. To save money, share a basket of cherry BBQ spice rub fries with a flight of their unique cherry beers—yes, please.
  • The Manitou Islands:  Take the ferry over to explore the lighthouse, secluded beaches and even old shipwrecks. Just make sure to budget for the ferry tickets. It’s $45 a ticket for adults and $23 a ticket for kids 12 or younger (it’s free for kids under 2). 25

2. Washington, D.C.

dave ramsey tours

Our nation’s capital may not come to mind when you’re thinking about the cheapest places to vacation (and save money). But if you book an inexpensive flight and an affordable Airbnb, this is one of the most budget-friendly places to go! That’s because there are so many incredible things to do in this city, like exploring museums, going on tours and visiting the nation’s coolest landmarks.

  • The White House:  Who wouldn’t want a tour of America’s most famous home? Plus, tours are free! You’ll just need to book at least 21 days in advance. 26
  • Smithsonian’s National Zoo:  With multiple exhibits and trails, you and your family can find your favorite animals in a number of discovery centers!
  • Smithsonian museums:  These museums are world class and totally free. The  National Museum of Natural History  and the  National Air and Space Museum  have so much to offer for everyone in your family.
  • The Supreme Court:  If you’re into politics like me, this is exciting! You can actually sit in on a court session ( amazing , right?) or take in a free lecture on how the court functions.
  • The Library of Congress:  This is the largest library in the world. 27  It offers guided tours, exhibitions and a variety of live events.
  • The United States Holocaust Memorial Museum:  This museum is widely regarded as one of the best in the world. It has several rotating exhibits and lectures, but perhaps the most powerful—the self-guided Holocaust exhibition spanning three floors—is there year-round.
  • The monuments:  There are a ton of memorials, but a few highlights include the Lincoln Memorial, the Martin Luther King, Jr. Memorial, the Vietnam Veterans Memorial, and the Washington Monument . . . just to name a few.
  • Food:  D.C.’s food game is strong, with a melting pot of influence from basically everywhere in the world.
  • Half-smoke:  This is what some call the official food of D.C. It’s basically a half-beef, half-pork hot dog. Each restaurant likes to put its own spin on the half-smoke. Try it out and see what you think!
  • Wiseguy Pizza:  You guys know how much I love pizza, so I can’t send you on vacation without recommending a pizza place. Wiseguy is known for its five-star reviews and budget-friendly New York-style crust.

1. St. Louis, Missouri

dave ramsey tours

Okay, guys, I’m ranking St. Louis at the top of the list because it’s a drivable destination for so many people in the South and Midwest. The best part is that the Gateway City (as they like to call it) has a lot of free things to do when you get there. Now  that’s  my kind of city!

  • The St. Louis Zoo:  Yup, it’s really free! Some attractions have a small cost once you get inside—like the sea lion show, zoo train or carousel—but you’ll get to see as many lions, tigers and bears as your heart desires for exactly $0.
  • Forest Park:  This is one of the greatest urban parks in the country! Its 1,300 acres are filled with museums and cultural centers, lakes, trails and a boathouse. There are even hot air balloon races in the summer. It’s a must for your visit.
  • Purina Farms:  It’s a pet lover’s paradise just 40 miles west of St. Louis. Photo ops, cat and dog shows, and a baby animal petting area would keep my kids happy for sure!
  • The Gateway Arch:  This   should definitely be at the top of your itinerary. Tram rides to the top are as low as $15 for adults and $11 for kids. 28 Plus, you can tour the museum for free!
  • City Museum:  It’s   like a giant playground for the whole family, and you can take a family of four for around $80. Children under 3 get free admission. 29
  • Missouri Botanical Garden:  This is a national historic landmark and is considered among the top three botanical gardens in the world! Tickets are $16 per person for ages 13 and up. 30  (Translation: Kids 12 and under get in for free!)
  • The Budweiser Brewery Experience:  Are you a Budweiser fan? If so, you’re in luck. Take the Day Fresh Tour for $15 per person and learn how they brew their beer. 31  Guests 21 or older also get to sample a glass of beer.
  • Food:  St. Louis is famous for its food, and you’ll get the most bang for your buck at places like Blues City Deli and Lulu’s Local Eatery. And you don’t want to forget about dessert. Check out Ted Drewes for their famous frozen custard.
  • Grant’s Farm:  This experience can be a little on the pricey side, but if you’re an animal lover, it just might be worth it to meet the Budweiser Clydesdales up close and personal. Tours start at $26 per person (they’re free for kids under 3 years old). Just make sure to budget for the other activities like carousel rides, camel rides and feeding the goats. You’ll also need money for parking! 32

What to Do Before You Travel

Finding cheap places to travel is what this article is all about—because problems start when you go on vacations that you can’t afford. Keep your  financial goals  on track by doing these things  before  you travel (and make sure you get the best bang for your buck).

You guys, a budget is so important! I can’t stress this enough. You might think a budget is a set of rules for you to follow. But that couldn’t be further from the truth! Your budget gives you permission to spend. And if you’re not doing a regular budget, you need to. EveryDollar is my favorite budgeting app. It helps you create your zero-based budget (where your income minus your expenses equals zero) in no time.  Get started today !

2. Research all the free or low-cost attractions.

Like I said earlier, this list is just a start. There are so many more affordable places to visit that will help you make those sweet family memories for less! But the key to a cheap vacation is making sure you have your itinerary of free (or cheap) things to do before you get there. A plan helps you stay on track and on budget!

3. Stay with friends or family.

Besides the flight (or gas), you want to think about how expensive your accommodations are. One of the ways to get around that is by staying with friends or family. If your family and friends live in a really cool city, staying with them will cut your costs in half. (Just make sure to be good houseguests.)

4. Travel with others to share the cost.

One of the best ways to travel is with friends or extended family. Not only do you get to share a vacation together, but you can also split the bill! That’s a win-win in my book.

5. Pack snacks.

When it comes to traveling with kids (or even your husband), one of the best things you can do is pack snacks and drinks. Nothing adds up more quickly than constantly buying food on the road. Gas station Doritos are pricey! You can save so much money by stocking up at your favorite  grocery store  before piling in the car.

6. Always compare airlines.

This is a big one. I’m not quiet about how much I love Southwest Airlines. But just because they’re my favorite, it doesn’t mean they’re always going to have the  best deals  for your next cheap vacation. Make sure to compare flight prices on sites like Google Flights, Hopper or even Scott’s Cheap Flights before you buy!

7. Book your stay during the week.

So many people love to travel over the weekend (makes sense with work, right?), but many times, room rates go up on Fridays and Saturdays. Listen: It’s so much cheaper to stay during the week! Schedule your trip to begin on a Sunday instead of a Friday, and you’ll save so much cash.

8. Check out Airbnb.

Many times, staying in an Airbnb can be cheaper than staying in a hotel (depending on location and seasonal rates). Before you book your stay at the Holiday Inn, compare prices with nearby Airbnbs. Not only can you potentially save money, but you can also negotiate the price with the owner. What do you have to lose? The worst they can say is no (but many times they say yes).

If you want more travel tips where these came from, check out this video:

And don’t forget: Plan for  everything . Things always cost more than you expect, so build a buffer in your budget to cover the unexpected stuff. 

Give your vacation budget a head start by using my  14-Day Money Finder  to free up extra money! And keep track of that money (and your budget) with EveryDollar!  Download it right here .

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Rachel Cruze

About the author

Rachel Cruze

Rachel Cruze is a #1 New York Times bestselling author, financial expert, host of The Rachel Cruze Show, and co-host of Smart Money Happy Hour. Rachel writes and speaks on personal finance, budgeting, investing and money trends. As a co-host of The Ramsey Show, America’s second-largest talk radio show, Rachel reaches millions of weekly listeners with her personal finance advice. She’s appeared on Good Morning America and Fox News and been featured in TIME, REAL SIMPLE and Women’s Health, among others. Through her shows, books, syndicated columns and speaking events, Rachel shares fun, practical ways to take control of your money and create a life you love. Learn More.

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8 Times Dave Ramsey Nailed It With Savings Advice

Posted: May 8, 2024 | Last updated: May 8, 2024

<p>Dave Ramsey is considered a 21st-century financial guru for his approach to personal finance. His advice is easy to understand, focusing on principles like living debt-free, budgeting, and saving for emergencies. Through Ramsey's radio show, books, and podcasts, his message of discipline in managing finances has reached millions of people. Ramsey's ability to simplify complex financial concepts and motivate people to take control of their finances makes him a favorite. After culling the internet, 24/7 Wall St. has created a list of the 8 times Dave Ramsey nailed it with savings advice. Continue reading to learn how to improve your financial outlook.</p> <div class='fwpPitch'><div> <h2><b>Sponsored: Want to Retire Early? Start Here</b></h2> <p>Want retirement to come a few years earlier than you’d planned? Or<a href="http://https://smartasset.com/retirement/find-a-financial-planner?utm_source=247wallst&utm_campaign=wall_retireearly&utm_content=desktop|8-times-dave-ramsey-nailed-it-with-savings-advice|1388576&utm_term=Microsoft&utm_medium=eoaCTALinkDefault" rel="noopener nofollow sponsored">are you ready to retire now, but want an extra set of eyes on your finances?</a></p> <p>Now you can speak with up to 3 financial experts in your area for <strong>FREE</strong>. By simply <a href="http://https://smartasset.com/retirement/find-a-financial-planner?utm_source=247wallst&utm_campaign=wall_retireearly&utm_content=desktop|8-times-dave-ramsey-nailed-it-with-savings-advice|1388576&utm_term=Microsoft&utm_medium=eoaCTALinkDefault" rel="noopener nofollow sponsored">clicking here</a> you can begin to match with financial professionals who can help you build your plan to retire early. And the best part? The first conversation with them is free.</p> <p><a href="https://smartasset.com/retirement/find-a-financial-planner?utm_source=247wallst&utm_campaign=wall_retireearly&utm_content=desktop|8-times-dave-ramsey-nailed-it-with-savings-advice|1388576&utm_term=Microsoft&utm_medium=eoaCTALinkDefault" rel="noopener nofollow sponsored">Click here</a> to match with up to 3 financial pros who would be excited to help you make financial decisions.</p> </div>  </div><p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Dave Ramsey is considered a 21st-century financial guru for his approach to personal finance. His advice is easy to understand, focusing on principles like living debt-free, budgeting, and saving for emergencies. Through Ramsey's radio show, books, and podcasts, his message of discipline in managing finances has reached millions of people. Ramsey's ability to simplify complex financial concepts and motivate people to take control of their finances makes him a favorite. After culling the internet, 24/7 Wall St. has created a list of the 8 times Dave Ramsey nailed it with savings advice. Continue reading to learn how to improve your financial outlook.

Sponsored: Want to Retire Early? Start Here

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Now you can speak with up to 3 financial experts in your area for FREE . By simply clicking here you can begin to match with financial professionals who can help you build your plan to retire early. And the best part? The first conversation with them is free.

Click here to match with up to 3 financial pros who would be excited to help you make financial decisions.

Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.

<p>Dave Ramsey is respected for his straightforward financial advice which emphasizes getting out of debt.His principles, such as the <em>baby steps</em> method and the <em>debt</em> <em>snowball</em> approach, have helped many people achieve financial stability.</p> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Why It Matters

Dave Ramsey is respected for his straightforward financial advice which emphasizes getting out of debt.His principles, such as the baby steps method and the debt snowball approach, have helped many people achieve financial stability.

<ul> <li>Act your wage. -Dave Ramsey</li> </ul> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Not Your Shoesize

  • Act your wage. -Dave Ramsey

<ul> <li><strong>Take Away</strong>: You can't eat caviar if you're getting paid peanuts</li> </ul> <p>Living within your means is essential to maintaining financial stability and long-term security. Simply put, it requires spending less than you earn, prioritizing needs over wants, and avoiding excessive debt. Acting your wage allows you to build savings, reduce financial stress, and achieve your goals. However, in today's world, living within one's means is becoming increasingly challenging. Stagnant wages and rising costs have made covering essential expenses all but impossible. These challenges may require adjustments and sacrifices that are worth securing financial security.</p> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Live Within Your Means

  • Take Away : You can't eat caviar if you're getting paid peanuts

Living within your means is essential to maintaining financial stability and long-term security. Simply put, it requires spending less than you earn, prioritizing needs over wants, and avoiding excessive debt. Acting your wage allows you to build savings, reduce financial stress, and achieve your goals. However, in today's world, living within one's means is becoming increasingly challenging. Stagnant wages and rising costs have made covering essential expenses all but impossible. These challenges may require adjustments and sacrifices that are worth securing financial security.

<ul> <li>Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest. -Dave Ramsey</li> </ul> <p>of the advice on 24/7 Wall St.'s list of the 8 times Dave Ramsey nailed it with savings advice, this is one of the most important! Borrowing against your retirement can have significant downsides. Taking money out of retirement funds comes with fees, interest, and tax implications. Borrowing against retirement savings interrupts the compounding growth potential of those funds, hindering their ability to generate returns over time. While it may provide short-term financial relief, borrowing against your retirement should be a last resort due to the long-term consequences on your retirement readiness.</p> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Don't Borrow Against Your Future

  • Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest. -Dave Ramsey

of the advice on 24/7 Wall St.'s list of the 8 times Dave Ramsey nailed it with savings advice, this is one of the most important! Borrowing against your retirement can have significant downsides. Taking money out of retirement funds comes with fees, interest, and tax implications. Borrowing against retirement savings interrupts the compounding growth potential of those funds, hindering their ability to generate returns over time. While it may provide short-term financial relief, borrowing against your retirement should be a last resort due to the long-term consequences on your retirement readiness.

<ul> <li><strong>Takeaway</strong>: Pay now, work later</li> </ul> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Live Like You're Living

  • Takeaway : Pay now, work later

<ul> <li>A budget is telling your money where to go instead of wondering where it went. -Dave Ramsey</li> </ul> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

No More Guessing Games

  • A budget is telling your money where to go instead of wondering where it went. -Dave Ramsey

<ul> <li><strong>Takeaway</strong>: Having a budget keeps you in the black.</li> </ul> <p>Having a budget is essential for achieving your long-term financial goals. A budget serves as a roadmap for managing income and expenses, allowing you to make informed decisions about spending and saving. A solid budget includes Fixed expenses (rent/mortgage, utilities), variable expenses (groceries, transportation, entertainment), savings, debt repayment, and an emergency fund for unforeseen expenses. Maintaining a budget requires financial discipline while empowering you to make sound financial decisions and enhancing your overall financial well-being.</p> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Budget Isn't Just A Rental Car Company

  • Takeaway : Having a budget keeps you in the black.

Having a budget is essential for achieving your long-term financial goals. A budget serves as a roadmap for managing income and expenses, allowing you to make informed decisions about spending and saving. A solid budget includes Fixed expenses (rent/mortgage, utilities), variable expenses (groceries, transportation, entertainment), savings, debt repayment, and an emergency fund for unforeseen expenses. Maintaining a budget requires financial discipline while empowering you to make sound financial decisions and enhancing your overall financial well-being.

<ul> <li>You must gain control over your money or the lack of it will forever control you. -Dave Ramsey</li> </ul> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Your Future Depends On It

  • You must gain control over your money or the lack of it will forever control you. -Dave Ramsey

<ul> <li><strong>Takeaway</strong>: Pinching pennies can keep you out of a pinch.</li> </ul> <p>It's imperative to hold the reins to your finances. Financial control empowers you to shape your future and achieve your goals. When you're in charge of your finances, you can manage debt effectively, save for emergencies, invest for the future, and build wealth. Taking ownership of your finances fosters financial independence. Though it's never too late to grab the reins, the sooner you gain control of your finances, the sooner they go to work for you.</p> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Be A Control Freak

  • Takeaway : Pinching pennies can keep you out of a pinch.

It's imperative to hold the reins to your finances. Financial control empowers you to shape your future and achieve your goals. When you're in charge of your finances, you can manage debt effectively, save for emergencies, invest for the future, and build wealth. Taking ownership of your finances fosters financial independence. Though it's never too late to grab the reins, the sooner you gain control of your finances, the sooner they go to work for you.

<ul> <li>There are no shortcuts when it comes to getting out of debt. -Dave Ramsey</li> </ul> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

There Are No Shortcuts

  • There are no shortcuts when it comes to getting out of debt. -Dave Ramsey

<ul> <li><strong>Takeaway</strong>: There is no secret formula for becoming debt-free.</li> </ul> <p>As much as we would like to think there's a secret passageway to erasing debt, it's simply not so. The most direct route to getting out of debt is through disciplined budgeting. This involves creating a realistic budget that prioritizes debt repayment and identifies areas where expenses can be lowered. Focus on paying off high-interest debts using Ramsey's debt snowball or debt avalanche methods. While there are no shortcuts to becoming debt-free, committing to a structured plan and staying the course is the most effective path to financial freedom and long-term stability.</p> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

But Take The Direct Route

  • Takeaway : There is no secret formula for becoming debt-free.

As much as we would like to think there's a secret passageway to erasing debt, it's simply not so. The most direct route to getting out of debt is through disciplined budgeting. This involves creating a realistic budget that prioritizes debt repayment and identifies areas where expenses can be lowered. Focus on paying off high-interest debts using Ramsey's debt snowball or debt avalanche methods. While there are no shortcuts to becoming debt-free, committing to a structured plan and staying the course is the most effective path to financial freedom and long-term stability.

<ul> <li>A typical millionaire lives in a middle-class house, drives a two-year-old or older car, and buys blue jeans at Walmart. -Dave Ramsey</li> </ul> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Pennywise, Poundwise

  • A typical millionaire lives in a middle-class house, drives a two-year-old or older car, and buys blue jeans at Walmart. -Dave Ramsey

<ul> <li><strong>Takeaway</strong>: Just because you can afford it, doesn't mean you should buy it.</li> </ul> <p>Though he might buy his jeans at Walmart, Ramsey recently upgraded from his 10 million dollar, 14,000 square foot home on a 14+ acre plot. So, while this is solid advice, take it with a grain of salt. Wealthy individuals who employ this mindset choose to live modestly, eschewing excessive spending and conspicuous consumerism. By maintaining a lifestyle significantly below their financial means, millionaires accumulate even more wealth. This approach reflects discipline, foresight, and a focus on long-term financial security. The path to wealth and success is paved by prudent financial choices.</p> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Do As He Says, Not As He Does

  • Takeaway : Just because you can afford it, doesn't mean you should buy it.

Though he might buy his jeans at Walmart, Ramsey recently upgraded from his 10 million dollar, 14,000 square foot home on a 14+ acre plot. So, while this is solid advice, take it with a grain of salt. Wealthy individuals who employ this mindset choose to live modestly, eschewing excessive spending and conspicuous consumerism. By maintaining a lifestyle significantly below their financial means, millionaires accumulate even more wealth. This approach reflects discipline, foresight, and a focus on long-term financial security. The path to wealth and success is paved by prudent financial choices.

<ul> <li>It takes some discipline and hard work, but relying on credit when things go wrong is a trap. -Dave Ramsey</li> </ul> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

The Credit Trap

  • It takes some discipline and hard work, but relying on credit when things go wrong is a trap. -Dave Ramsey

<ul> <li><strong>Takeaway</strong>: Buy now, retire later</li> </ul> <p>Statistically speaking, you're probably carrying some credit card debt. You're in good company with the 82% of Americans whose average debt hovers around $5,000. Relying on credit has significant ramifications on one's financial well-being. While credit provides short-term relief and access to funds, excessive reliance on credit can lead to a cycle of debt, high-interest payments, and financial stress. The consequences of relying on credit include diminished financial freedom, increased vulnerability to excessive debt, and an inability to achieve long-term financial goals. Maintaining your focus on responsible borrowing and timely repayment creates financial stability.</p> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Don't Get Caught

  • Takeaway : Buy now, retire later

Statistically speaking, you're probably carrying some credit card debt. You're in good company with the 82% of Americans whose average debt hovers around $5,000. Relying on credit has significant ramifications on one's financial well-being. While credit provides short-term relief and access to funds, excessive reliance on credit can lead to a cycle of debt, high-interest payments, and financial stress. The consequences of relying on credit include diminished financial freedom, increased vulnerability to excessive debt, and an inability to achieve long-term financial goals. Maintaining your focus on responsible borrowing and timely repayment creates financial stability.

<ul> <li>Someone who never invests money will never have any. –<a href="https://247wallst.com/investing/2024/04/08/11-dave-ramsey-quotes-every-30-year-old-needs-to-hear/?utm_source=msn&utm_medium=referral&utm_campaign=msn&utm_content=11-dave-ramsey-quotes-every-30-year-old-needs-to-hear&wsrlui=213885761">Dave Ramsey</a></li> </ul> <p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Investing Makes Cents

  • Someone who never invests money will never have any. – Dave Ramsey

<ul> <li><strong>Takeaway</strong>: Savings alone will not save you.</li> </ul> <p>Of the list items on 24/7 Wall St.'s list of the 8 times Dave Ramsey nailed it with savings advice, this one is more important than ever. Today's low-interest rates pose challenges to relying on savings to retire comfortably. With interest rates at historically low levels, the returns on traditional savings accounts, certificates of deposit (CDs), and other low-risk investments are minimal, often failing to keep pace with inflation. As a result, relying on savings may not generate sufficient income to support a comfortable retirement, especially considering longer lifespans and potential healthcare costs.</p> <p>Investing your money is essential for building wealth, and securing your future. By investing, you have the opportunity to grow your funds over time through the power of compounding returns. Investing allows you to put your money to work, generating passive income and beating inflation. Investing provides diversification, spreading risk across different assets and potentially mitigating losses. Whether it's through stocks, bonds, real estate, or other investment vehicles, putting your money to work can pave the way for long-term financial security.</p> <div class='fwpPitch'><h2><strong>ALERT: Take This Retirement Quiz Now  (Sponsored)</strong></h2> <p><a href="http://https://smartasset.com/retirement/find-a-financial-planner?utm_source=247wallst&utm_campaign=SA_AdvisorPitch2&utm_content=desktop|8-times-dave-ramsey-nailed-it-with-savings-advice|1388576&utm_term=Microsoft&utm_medium=eoaCTALinkDefault" rel="noopener nofollow sponsored">Take the quiz below to get matched with a financial advisor today.</a></p> <p>Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.</p> <p>Here’s how it works:<br> 1. <a href="http://https://smartasset.com/retirement/find-a-financial-planner?utm_source=247wallst&utm_campaign=SA_AdvisorPitch2&utm_content=desktop|8-times-dave-ramsey-nailed-it-with-savings-advice|1388576&utm_term=Microsoft&utm_medium=eoaCTALinkDefault" rel="noopener nofollow sponsored">Answer SmartAsset advisor match quiz</a><br> 2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.<br> 3. <a href="http://https://smartasset.com/retirement/find-a-financial-planner?utm_source=247wallst&utm_campaign=SA_AdvisorPitch2&utm_content=desktop|8-times-dave-ramsey-nailed-it-with-savings-advice|1388576&utm_term=Microsoft&utm_medium=eoaCTALinkDefault" rel="noopener nofollow sponsored">Speak with advisors at no cost to you.</a> Have an introductory call on the phone or introduction in person and choose whom to work with in the future</p> <p>Take the retirement quiz <a href="https://smartasset.com/retirement/find-a-financial-planner?utm_source=247wallst&utm_campaign=SA_AdvisorPitch2&utm_content=desktop|8-times-dave-ramsey-nailed-it-with-savings-advice|1388576&utm_term=Microsoft&utm_medium=eoaCTALinkDefault" rel="noopener nofollow sponsored">right here</a>.</p>  </div><p>Agree with this? Hit the Thumbs Up button above. Disagree? Let us know in the comments with what you'd change.</p>

Saving Is Not Enough

  • Takeaway : Savings alone will not save you.

Of the list items on 24/7 Wall St.'s list of the 8 times Dave Ramsey nailed it with savings advice, this one is more important than ever. Today's low-interest rates pose challenges to relying on savings to retire comfortably. With interest rates at historically low levels, the returns on traditional savings accounts, certificates of deposit (CDs), and other low-risk investments are minimal, often failing to keep pace with inflation. As a result, relying on savings may not generate sufficient income to support a comfortable retirement, especially considering longer lifespans and potential healthcare costs.

Investing your money is essential for building wealth, and securing your future. By investing, you have the opportunity to grow your funds over time through the power of compounding returns. Investing allows you to put your money to work, generating passive income and beating inflation. Investing provides diversification, spreading risk across different assets and potentially mitigating losses. Whether it's through stocks, bonds, real estate, or other investment vehicles, putting your money to work can pave the way for long-term financial security.

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Here’s how it works: 1. Answer SmartAsset advisor match quiz 2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles. 3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future

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Paul Walter Hauser in 'Press Your Luck'

Paul Walter Hauser has added another project to a packed upcoming slate.

The Emmy and Golden Globe winner, who in the last few weeks alone has been tapped to play Chris Farley in Josh Gad’s biopic and has joined the cast of both “Fantastic Four” and the “Naked Gun” reboot, is to lead “Press Your Luck,” a drama-thriller based on the true story of Michael Larson. Protagonist Pictures has unveiled the drama-thriller — from Plenty Good in co-production with Fabula — alongside a first look image and will handle international sales, while CAA Media Finance represents North American rights.

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Samir Oliveros directs from a screenplay co-written with Maggie Briggs (“Joyland”), and the film is produced by Plenty Good (“Chronicles Of A Wandering Saint”), and co-produced by Fabula (“El Conde”). “Press Your Luck” is now in post-production.

“I kept having this recurring dream with a white-bearded man. I couldn’t make any sense of it until I stumbled upon his face on a VHS tape I found at a thrift shop. That’s how I learned of Michael’s story,” said Oliveros. “During our next encounter he said if we made the film in time for the 40th anniversary of his feat, he would guide us in the right direction. I’m glad we could make it happen with the support of such incredible partners.”

“Samir has crafted a unique and stylish telling of the incredible true story of a down on his luck everyman gaming the system,” said Protagonist Pictures’ CEO, Dave Bishop. “We couldn’t be happier to be working with the very talented Samir and our friends at Fabula and Plenty Good.” 

Added Freedman, founding partner of Plenty Good: “We’re drawn to films that don’t behave. Whether it’s an unruly character, an unconventional structure, or irreverent style, our movies challenge what’s expected. Michael’s bold behavior inspired us, and we hope it inspires you.”

Hauser is repped by CAA, Artists First, and Schreck Rose Dapello Adams Berlin & Dunham LLP.; Goggins is repped by CAA, and Darris Hatch Management; Strathairn is repped by CAA and Ryan Entertainment; Williams is repped by WME, Ocean Avenue, and Jackoway Austen Tyerman Wertheimer Mandelbaum Morris Bernstein Trattner Auerbach Hynick Jaime LeVine Sample & Klein; Bennet is repped by WME, and Brecheen Feldman Breimer Silver Thompson; and Knoxville is repped by CAA, and Sloane Offer Weber & Dern.

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