Once you sign up, Ramsey+ is an all-access membership that provides access to Financial Peace University and other proven tools, apps, content, and resources to help you take control of your money for good. There are options to go through Financial Peace University on your own, or to join a class. There are tools to track your debt, create a budget, join a coaching call, teach your kids about money, and even a new tool to do file your federal taxes for free. This is just a sampling of all that is available. Create an account and look around. We already paid for it, so you really should take advantage of this opportunity.