An HSC Fort Worth employee and student benefit.

It's Your Money!
Make It Work for You.

Learn how to make the most of your money with motivating content, EveryDollar budgeting tool and a step-by-step plan that has helped millions.

Let's get you signed up!

SmartDollar is offered at no cost to you by your employer. No hidden fees or unwelcome surprises. That will never change!

Sign Up
Sign In
Ramsey SmartDollar on a phone and tablet.

It's Your Money!
Make It Work for You.

Let's get you signed up!

SmartDollar is offered at no cost to you by your employer. No hidden fees or unwelcome surprises. That will never change!

Ramsey SmartDollar and EveryDollar on a phone.

This plan works.
Yep, even for your situation.

Whether you’re scared and confused about your money situation or an experienced budgeter, SmartDollar’s step-by-step plan, the 7 Baby Steps, can help you figure out where you stand and show you how to move forward. These steps can help you:

Debt Snowball

Pay Off Debt Faster

Change how you think about debt.

Emergency Fund

Save Money

Learn how and when to stack up some cash.

Wallet

Prepare for Retirement

Learn more about the different ways to invest.

This plan works.
Yep, even for your situation.

Whether you’re scared and confused about your money situation or an experienced budgeter, SmartDollar’s step-by-step plan, the 7 Baby Steps, can help you figure out where you stand and show you how to move forward. These steps can help you:

Debt Snowball

Pay Off Debt Faster

Change how you think about debt.

Emergency Fund

Save Money

Learn how and when to stack up some cash.

Wallet

Prepare for Retirement

Learn more about the different ways to invest.

SmartDollar user Kelly holding up a sign that says, "Buh Bye Money Stress!"

“I don’t have to worry about how I’m going to cover my bills from paycheck to paycheck.”

— Kelly


Here’s what it will look like.

It’s not rocket science. It’s a no-nonsense, commonsense way to change how you handle money.

Phone and laptop showing the assessment.

WELLNESS SCORE

1. You’ll start by taking an assessment.

SmartDollar’s plan gets to the root of most money problems: the person in the mirror staring back at you. Take five minutes to answer questions about your current money situation and find out where you stand.

STEP-BY-STEP PLAN

2. Find out where you are on the 7 Baby Steps.

Forget everything you know about money-management plans. This clear and simple plan will challenge you to change how you handle money—little by little.

Phone and laptop showing The 7 Baby Steps.
Phone and laptop showing a video course.

LIFE-CHANGING CONTENT

3. Learn the key things that you’ll need to do.

Our bestselling authors and financial experts make difficult money concepts easy to understand with short but powerful videos. We’ll cover everything you need!

Checkmark

Paying Off Debt

Checkmark

Saving Money

Checkmark

Preparing for Retirement

Checkmark

Building Wealth

TOOLS & TRACKING

4. Work the plan by budgeting and tracking your progress.

Most people know what to do with money—it’s doing it that’s tough! Our budgeting app, EveryDollar, can help you take control of your money. Work the plan with all the tools that are part of SmartDollar to help track your progress.

Checkmark

EveryDollar Budgeting App

Checkmark

Emergency Fund Planner

Checkmark

Debt Snowball Tool

Checkmark

And more!

Phone and laptop of the budgeting app EveryDollar.

It actually works!

After their first year in the program, SmartDollar users report an average of

$16,200 of Debt Paid and Dollars Saved

It starts with you!